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NOC Code: NOC Code: 1435 Occupation: Collectors
Occupation Description: Occupation Description:
Collectors collect payments on overdue accounts and bad cheques and locate debtors to make collection arrangements. They are employed by collection agencies, utility companies, department stores, loan companies, banks and credit unions, and by financial and licensing departments within governments. Collectors collect payments on overdue accounts and bad cheques and locate debtors to make collection arrangements. They are employed by collection agencies, utility companies, department stores, loan companies, banks and credit unions, and by financial and licensing departments within governments.

  • Click on any of the Essential Skills to view sample workplace tasks for this occupation.
  • Scroll down the page to get information on career planning, education and training, and employment and volunteer opportunities.

Table will display the Skill Level for the Noc specified
Essential Skills Essential Skills Levels
Reading Reading 1 2 3
Writing Writing 1 2 3
Document Use Document Use 1 2 3
Digital Technology Digital Technology 1 2
Oral Communication Oral Communication 1 2 3
Money Math Money Math 1 2
Scheduling or Budgeting and Accounting Scheduling or Budgeting and Accounting 1 2 3
Data Analysis Data Analysis 1
Numerical Estimation Numerical Estimation 1
Job Task Planning and Organizing Job Task Planning and Organizing 1 2
Decision Making Decision Making 1 2 3
Problem Solving Problem Solving 1 2 3
Finding Information Finding Information 1 2

  • The skill levels represented in the above chart illustrate the full range of sample tasks performed by experienced workers and not individuals preparing for or entering this occupation for the first time.
  • Note that some occupational profiles do not include all Numeracy and Thinking Essential Skills.

If you would like to print a copy of the chart and sample tasks, click on the "Print Occupational Profile" button at the top of the page.

  • Read letters from debtors disputing the amount owed, indicating why they are late in making their payment or indicating their intent to pay and suggesting terms of payment. (1)
  • Read letters from financial institutions containing information on the status of a particular loan. (2)
  • Read government and legal forms, such as garnishee forms and forms for student loans, to remain up-to-date with legislative changes. (2)
  • Refer to a computer manual to troubleshoot problems. (3)
  • Read debtors' files which may include credit reports and notes on the current status of the file or any actions taken to date. (3)
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  • Complete collection cards for each client whose payment is overdue. (1)
  • Write reminder notes about clients or tasks to perform. (1)
  • Write letters or emails to debtors about overdue accounts, the status of their accounts and explanations of why some proposed settlements are not acceptable. (2)
  • Do name searches on companies and individuals before suing to ensure they are suing the correct company or person. This may involve sending letters to government offices requesting information. (2)
  • Write letters or faxes to customers for whom debts are being collected. These letters report on actions taken with debtors, such as whether payment has been received, the amount of payment and the amount owing. (2)
  • Write memos to managers informing them of what is happening on a particular case, such as responses received and further action to be taken. (3)
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Document Use
  • Read client list sheets and payment plan cards. (1)
  • Read city or district directories to find debtors. (1)
  • Read telephone books to find the addresses of debtors. (1)
  • Read client transactions on a computer to determine if debts are being paid. (2)
  • Read and update collection reports or client files, including names, addresses, account numbers, records of payments and amounts overdue. (2)
  • Interpret various forms, such as the Personal Property Branch Registration form, credit request forms, settlement forms and claim-for-loss forms. (3)
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Digital Technology
  • Use word processing. For example, produce letters. (2)
  • Use communications software. For example, use email. (2)
  • Use a database. For example, access databases containing client files. (2)
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Oral Communication
  • Listen to a debtor explain why they cannot pay amounts owing. (1)
  • Interact with the supervisor or manager to get approval for settlements and modes of repayment and report cases which are being brought to the court system. (2)
  • Make reports to customers about payouts, debtors who cannot pay or other relevant information about cases, so they are aware of actions being taken. (2)
  • Take directions from customers for whom debts are collected. (2)
  • Train new collectors and give them direction. (3)
  • Speak to debtors on behalf of the customer using clear language, explaining their amounts owing and determining a plan of action. Debtors may be upset or hostile during this interaction. (3)
  • Attend or lead training seminars. (3)
  • Participate in meetings with managers and other staff to discuss cost constraints, new policies, problems, progress and ways to improve productivity. (3)
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Money Math
  • Receive payments made by debtors at the office and issue receipts. (1)
  • Calculate what a person owes, by taking the amount overdue and the interest accruing and subtracting payments made. (2)
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Scheduling or Budgeting and Accounting
  • Enter the amount of a payment in the client's file. (1)
  • Determine the minimum payment a debtor may make on the amount owing to pay off the debt in an acceptable period of time. (2)
  • Work with debtors to develop a payment plan, examining their income and expenses to establish their ability to pay. (3)
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Data Analysis
  • Compare the value of collections in different time periods as a performance indicator. (1)
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Numerical Estimation
  • Estimate the amount of money coming in for the following week. (1)
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Job Task Planning and Organizing
  • Collectors plan their own work tasks within a framework of standard procedures provided by management. These standard procedures may set out general practices, such as dealing with new business first or reviewing files at the end of each month to decide which ones to close. They may also set out what action to take on accounts at particular stages, such as 90 days overdue. Collectors deal with emergencies and unexpected tasks as they occur. Deadlines are usually approximate, except for court dates. (2)
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Decision Making
  • Decide when to schedule visits to debtors. (1)
  • Make decisions about changing the payment schedules of particular debtors. These decisions may require a supervisor's approval, particularly if the amount overdue is large. (2)
  • Decide whether to accept smaller payments or delayed payments, based on a debtor's financial, health and emotional circumstances. (2)
  • Decide how much to spend to find a debtor, how much effort to put into a particular case and whether cases should be taken to court, settled or closed. (3)
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Problem Solving
  • The value of collections made in one month is significantly less than the previous month. Adjust the work plan to bring in more revenue. (1)
  • A debtor alleges that a payment has already been made or the goods were never received and the account should be credited. If required, resolve the situation by obtaining additional information about the account and correcting the records. (2)
  • A debtor is having difficulties making payments. Negotiate a payment plan. (3)
  • A debtor's payments are overdue and this person often moves. You may have to set up a trace. (3)
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Finding Information
  • Look up information in files to find out the amount of money a client currently owes. (1)
  • Obtain information about debtors from city directories, banks, town halls, credit bureau and trustee offices. (2)
  • Obtain information about debtors from relatives, employers and landlords through telephone calls or personal visits. (2)
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