Large, bulky, bright-colored finch of middle to high altitude broadleaf and mixed forests. Male has a jet-black head and back and a bright yellow belly and collar. Female is olive-yellow overall with a gray head and black wingtips. Both sexes have a pale, heavy bill. Usually seen in pairs or small flocks. Often perches on exposed treetops. Gives a mellow, descending series of notes while in flight. Passingly similar in appearance to Spot-winged and White-winged Grosbeaks, but Collared Grosbeak lacks white on the wing.