Loan Counselor II

Loan Counselor I

We are seeking a professional, results-driven Loan Counselor I to join our Collections team at AutoNation Finance. This position is responsible for resolving and collecting on delinquent customer accounts. The Loan Counselor I interacts directly with customers, third-party references, and repossession vendors to negotiate payment arrangements, prevent losses, and support the overall servicing strategy. The ideal candidate will be self-motivated, demonstrate sound judgment, and have strong communication skills. This position includes potential monthly bonuses based on delinquency, roll rates, and net losses. A flexible work schedule, including late evenings and weekends, is required.

Organizational Relationships : The Loan Counselor I reports directly to the Collections Supervisor and works in collaboration with the Recovery, Credit, Funding, and Loss Mitigation teams. This position also interfaces externally with customers, third-party contacts, and repossession agencies to support resolution and recovery efforts.

Job Responsibilities

Collections & Customer Contact :

• Make outbound contact attempts by phone, email, chat, or text to negotiate and secure payment arrangements with delinquent customers.
• Handle inbound calls from customers regarding payment status, account inquiries, and general servicing questions.
• Review delinquent accounts for collection efforts and identify opportunities to cure or resolve delinquency.

Account Management & Documentation :

Skip Tracing & Recovery Support :

Compliance & Quality Assurance :

Qualifications

High school diploma or GED required.

Minimum of 3 years of consumer debt collection and skip tracing experience required.

Prior experience in auto finance or consumer financial services preferred.

Strong negotiation, verbal, and written communication skills.

Proficient with Microsoft Office Suite (Excel, Word, PowerPoint, Outlook).

Knowledge of debt collection laws and best practices.

Skilled in the use of loan servicing systems, data sources for skip tracing, and customer service tools.

Bilingual (Spanish / English) preferred but not required.

Ability to work independently, manage deadlines, and handle escalated accounts effectively.

Next Possible Position : Senior Loan Counselor Recovery Specialist

Physical Requirements : Continuous use of computer, monitor, and keyboard. No significant physical demands beyond standard office use.

The intent of this job description is to provide a representative summary of the major duties and responsibilities performed by incumbents of this job. Incumbents may be requested to perform job related tasks other than those specifically presented.

Exciting Benefits and Perks Await You :

AutoNation is one of the largest automotive retailers in the United States, offering innovative products, exceptional services, and comprehensive solutions, empowering our customers to make the best decisions for their needs. With a network of dealerships nationwide strengthened by a recognized brand, we offer a wide variety of new and used vehicles, customer financing, parts, and provide expert maintenance and repair services. Through DRV PNK, we have raised over $40 million for cancer-related causes, demonstrating our commitment to making a positive difference in the lives of our Associates, Customers, and the communities we serve.

AutoNation is committed to creating a diverse, equitable, and inclusive environment in our workplace and the services we provide. We welcome candidates from all backgrounds who are passionate about making a positive impact. Even if you do not meet every requirement, we encourage you to apply. Join our team and help us foster a culture of belonging while contributing to our revolutionary work in the automotive industry. We value innovation, teamwork, and a commitment to making a positive impact in the world.