Commercial Collections Associate

Merchant Growth

. Initiate contact with commercial clients to negotiate payment terms and arrangements for outstanding debts .

Posted 10/1/2026full-timeRemote • CanadaJuniorMid-Level💰 CA$60,000 - CA$80,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in commercial collections, including negotiation, skip tracing, and compliance with privacy legislation. Proficient in maintaining accurate records and building positive client relationships while analyzing payment trends.

Highest-signal resume keywords

Commercial Collections ExperienceSkip Tracing TechniquesNegotiation SkillsKnowledge of PIPEDAVerbal and Written Communication Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Debt CollectionPayment Terms NegotiationFinancial AnalysisRecord KeepingCorporate Registry SearchesApplication ReviewUnderwriting ReviewProblem SolvingClient Account ManagementAttention to Detail

Soft Skills

ResourcefulnessInvestigative MindsetPersistenceIndependenceCustomer Service

Tools & Technologies

Skip Tracing ToolsCredit Bureau SearchesPublic Record SearchesCommunication SoftwareData Management Systems

Industry Keywords

Accounts Receivable ManagementDebt Collection PoliciesPrivacy LegislationCommercial Client RelationshipsBilling Dispute Resolution

About the role

Key responsibilities & impact

Initiate contact with commercial clients to negotiate payment terms and arrangements for outstanding debts
Monitor and follow up on overdue accounts via phone calls, emails, and letters
Document collection activities accurately and update customer records
Analyze client payment history and financial status to determine collection strategies
Perform skip tracing when businesses, principals, or guarantors cannot be reached
Verify and update contact details, business addresses, operating status, and ownership information
Identify changes in business status, including closures, relocations, name changes, ownership changes, and successor businesses
Conduct federal and provincial corporate registry searches
Review application, underwriting, and payment data for contact, banking, and business activity leads
Conduct skip tracing in compliance with privacy legislation and company policy
Document sources searched, information obtained, and contact attempts
Escalate unlocated accounts for external skip tracing, investigation, or recovery placement
Build and maintain positive commercial client relationships
Address client inquiries and resolve billing and payment disputes
Provide prompt customer service
Prepare regular updates on collection activities, account status, skip tracing efforts, and collection progress
Collaborate with the Support Team to analyze payment trends and improve collections
Ensure compliance with debt collection policies and legal regulations
Maintain accurate records of collection activities and communications
Keep current with industry best practices and regulatory changes

Requirements

What you’ll need

Bachelor's degree in Business Administration, Finance, Accounting, or a related field preferred
Minimum 2 years of experience in commercial collections or accounts receivable management
Experience with skip tracing tools and techniques, including credit bureau, corporate registry, and public record searches, is an asset
Working knowledge of Canadian privacy requirements, including PIPEDA, as they apply to collections and skip tracing, is an asset
Resourceful, investigative mindset with persistence to locate hard-to-reach accounts
Strong negotiation and problem-solving skills
Excellent verbal and written communication skills
French language fluency is an asset
Ability to work independently and prioritize tasks effectively
If based outside Pacific time, willingness to work later shifts as needed, typically 3 to 4 days per month
Attention to detail and accuracy in record-keeping

Benefits

Comp & perks

Monthly performance bonus tied to collection results
Comprehensive group health benefits: Life, AD&D, Extended Health & Dental, and Travel Insurance
Remote-first work with an option to work in office
Company-wide monthly Lunch and Learns and team events
Education and learning benefits
Collaborative team environment