Loan Collections Specialist

We are changing FINANCE to finance CHANGE!

At Climate First Bank, we’re redefining what banking can be. As a Florida Benefit Corporation and FDIC-insured commercial bank, we offer a full suite of personal and business services—including solar, residential, commercial, and SBA loans—all designed to power a better future.

With branches in St. Petersburg, Winter Park, Mount Dora, and a growing digital presence, we’re proving that banking can be a force for good. We don’t just support environmental and social causes—we’re built on them.

Join the Movement

We’re looking for driven, mission-aligned individuals ready to make an impact. If you’re passionate about sustainability, thrive in a fast-paced and results driven environment, and want to be part of something bigger, you’ll feel right at home.

Our team is made up of goal-setters, go-getters, and changemakers. We celebrate wins, tackle challenges head-on, and push the boundaries of what a bank can do. If you’re fueled by purpose and excellence, this is your place.

Now Hiring: Loan Collections Specialist

Join our dynamic team as a Loan Collections Specialist, where you'll take charge of diverse portfolios—from cutting-edge consumer solar loans to high-stakes SBA-guaranteed accounts. If you're passionate about problem-solving, thrive in fast-paced environments, and know how to balance empathy with results, this is your moment!

This is more than a job — it’s a chance to be part of a start-up experience unlike anything in the traditional banking world.

Thrive at Climate First Bank

At Climate First Bank, we’re not just building a better future for the planet — we’re also investing in yours. We offer a comprehensive, people-first benefits package that supports your health, finances, and work-life balance.

Health Coverage — 100% Paid by Us (employee coverage, employer contribution towards dependents)

• Medical, Dental & Vision Insurance — fully covered for employees
• Health Savings Account (HSA) with tax advantages and generous contribution limits
• Free Telemedicine access via Teladoc
  
  

Financial Wellness & Wealth Building

• 401(k) with 6% Employer Match — start saving for retirement with a strong head start No Vesting Period.
• Employee Stock Options — share in the success you help create
• Exclusive Employee Banking Perks — including employee only account and loan products.
• 0% Financing for Employee Solar Loans — power your home sustainably
• 0% Financing for Eligible Electric Vehicles (EVs) — drive the change you believe in
• Referral Incentives — earn rewards for bringing great people to the team
  
  

Generous Paid Time Off

• 2–4 Weeks of Vacation based on based on officer level. Additional time off available after the first full year of tenure.
• 64 Hours of Paid Sick Time for all full-time employees
  
  

Protection & Peace of Mind

• Company-Paid Life Insurance
• Short- & Long-Term Disability Insurance
• Voluntary Life, Accident & Critical Illness Coverage
• Employee Assistance Program (EAP) with free counseling, legal, and financial services
  
  

What You’ll be driving as a Loan Collections Specialist

• Uncompromising Compliance Safeguarding the Bank’s reputation and legal standing are your number one priority. You maintain full adherence to internal policies and external regulations, including FDCPA, ECOA, and SBA servicing guidelines (SOP 50 57 and SOP 50 10). You diligently document your efforts and participate in periodic audits and reviews. Lastly, you stay current with regulatory updates and best practices in collections and borrower engagement.
• Delivering Delinquency Solutions You drive timely collection efforts and achieve optimal recovery rates for delinquent accounts in consumer solar, commercial, residential, and SBA-guaranteed loan portfolios. Leveraging your deep understanding of policies and procedures, you negotiate payment arrangements and document all communications and outcomes in the loan servicing system. You work closely with legal and credit teams and prepare accounts for litigation, charge off or SBA guaranty purchase. Prioritizing proactivity and efficiency, you actively monitor trends and recurring issues and recommend process improvements where needed.
• Proactive Borrower Engagement and Education Leading with empathy and professionalism, you educate borrowers on loan terms and consequences of non-payment and foster respectful, solution-oriented communications. You drive resolution and reduce repeat delinquencies while upholding the Bank’s values and customer service standards. Diligently monitoring portfolio activity, you initiate borrower contact within 5 days of delinquency for consumer solar loans and issue demand letters and follow-up actions within 48 hours of status change for commercial and residential loans.
• Champion our Mission fiercely and passionately by adopting and practicing a commitment to social, economic, environmental, and racial justice. You will apply curiosity and interest in our core values and pursue education related to sustainability practices.
  
  

What You Bring To The Table

• Your Experience and Education This isn’t your first rodeo in Collections – you are familiar with FDCPA, ECOA, and SBA servicing guidelines, ideally with 3 years of progressive experience handling Commercial and/ or SBA portfolios to prove it.
• Your Entrepreneurial Self-Starter Mentality You love taking charge of your work product and take great pride in delivering consistently great results. Once you know what is expected of you, you run with it — independently driving collection efforts forward in a high-volume environment. A high-pace and high-expectation environment excites you and you can’t wait to push yourself to new professional heights in a company that rewards high performance.
• Your Master Communicator Expertise Whether it’s on camera, phone, or chat—you’re confident, concise, and professional. You listen deeply and respond thoughtfully. Your negotiation skills are unmatched, and you understand that thorough documentation is part of the process.
• Your Banking Acumen You understand banking and collections deeply. Once you understand a process, you consistently look for ways to improve it or to complete it more efficiently. You are also committed to becoming a compliance wiz and actively pursue excellent knowledge of regulatory requirements and branch protocols.
• Your Tech-Forward Thinking You’re quick to learn new tools and excited by innovation.
• Your Organization & Efficiency Guru Status You manage your time like a pro, stay focused under pressure, and keep your workflow humming. You love putting your head down and getting into the groove but also appreciate changing routines. You’re a master note-taker and checklist fanatic and consider “dropped balls” a four-letter word.
• Your Commitment to Being a Team Player You lift others up, share ideas, and bring positive energy to everything you do. You know what it takes to operate as a part of a larger team and cherish opportunities to contribute to the big picture.
  
  

What To Expect From Your Physical Environment

• Remote role.
• Sustained standing and sitting.
• Frequent communication (speaking and listening) in person, via email, text, phone or video chat.
• Frequent use of PC, including typing or sustained attention to monitor.
• Occasional lifting of basic office files or equipment up to 20 lbs.
  
  

Equal Opportunity Statement

At Climate First Bank we truly believe that our people are our strength and the diverse talents they bring to our workforce are directly linked to our success. Diversity and inclusion are at the core of our values and mission. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.

Equal Opportunity Employer/Disability/Veterans

E-Verify Statement

This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. If E-Verify cannot confirm that you are authorized to work, this employer is required to give you written instructions and an opportunity to contact Department of Homeland Security (DHS) or Social Security Administration (SSA) so you can begin to resolve the issue before the employer can take any action against you, including terminating your employment. Employers can only use E-Verify once you have accepted a job offer and completed the Form I-9.