Careers

Help our members get back on track. As a Collections Officer, you’ll work with members who have fallen behind on their loans and cards, find solutions that fit their situations, and protect the credit union’s interests, all while upholding our reputation for professional, respectful service.

What You’ll Do

• Reach out early and resolve delinquencies: Review delinquency reports, verify loan status, and contact members and co-borrowers by phone, email, mail, and in person. Work with each member to understand what’s behind the delinquency and agree on a payment arrangement that works for them.

• Find solutions that work for members: Recommend due-date extensions, loan consolidation, and financial counseling when they fit, and process approved extensions. Treat every conversation as a chance to keep a member’s trust, even in a difficult situation, and respond to frustrated members with patience and tact.

• Protect the credit union’s interests: Confirm collateral has adequate insurance coverage, respond to impounded vehicle notifications, and locate members who are hard to reach (skip tracing). When needed, recommend repossession or foreclosure, file small claims actions, and carry out post-judgment steps such as garnishments. Prepare charge-off recommendations and refer bankruptcy cases to a senior collector.

• Keep accurate, compliant records: Document every collection action in our system, keep activity reports on late and delinquent loans current, and make sure all collection efforts follow credit union policy and legal requirements. Maintain strict member confidentiality.

• Build professional relationships: Connect with other financial institutions and industry contacts to share information and reduce losses, and make sure members have the chance to fully explain their situation.

• Work as part of the team: Support colleagues as needed, keep management informed of progress and any significant issues, attend meetings, stay current on collections policies and regulations, share our products and services with members when it’s helpful, and keep your work area organized and secure.

What We’re Looking For

• Education: High school diploma or equivalent

• Experience: Previous collections experience at a full-service financial institution is helpful

• Knowledge (helpful):

  • Collection procedures and related laws and regulations

  • Credit union loan products and policies, including default and enforcement clauses

  • Deposit programs, account ownership, and casualty insurance

  • Basics of the U.S. Bankruptcy Code

  • How the small claims court system works

• Skills:

  • Accuracy and thoroughness

  • Excellent communication, phone, and public relations skills

  • Ability to work independently

  • Ability to stay calm and effective in stressful situations

  • Comfort using collections and loan servicing software, credit reporting tools, and standard office technology