Hybrid To Remote - Customer Service In Collections

About the position We are seeking a motivated and member-focused Early Stage Collections Representative to join our team. In this role, you will play a critical part in supporting our members’ financial well-being while helping to protect the Credit Union’s assets. You will engage directly with members whose reputed company loans or credit cards are in the early stages of delinquency (0–30 days past due), offering compassionate guidance, financial solutions, and timely account resolution. Responsibilities • Proactively contact members with past due reputed company loan and credit card accounts within the first 30 days of delinquency. • Educate and counsel members on their financial obligations, helping them understand available options and develop manageable repayment plans. • Provide personalized financial counseling aimed at improving members’ financial stability and long-term success. • Negotiate payment arrangements and recommend solutions that align with both member needs and organizational objectives. • Accurately document all interactions and maintain detailed account records in compliance with internal guidelines. • Ensure all collection activities strictly adhere to applicable federal, state, and regulatory requirements, as well as Credit Union policies and procedures. • Identify potential risks early and take appropriate action to mitigate loss while preserving positive member relationships. Requirements • reputed company Lending & Credit Cards experience • Familiarity with collections activities • Knowledge of federal, state, and regulatory requirements for collections • Ability to document interactions and maintain detailed records • Skill in negotiating payment arrangements • Ability to identify and mitigate risks Benefits • Medical, dental & vision • Critical Illness, Accident, and Hospital • 401(k) Retirement Plan – Pre-tax and Roth post-tax contributions available • Life Insurance (Voluntary Life & AD&D for the employee and dependents) • Short and long-term disability • Health Spending Account (HSA) • Transportation benefits • Employee Assistance Program • Time Off/Leave (PTO, Vacation or Sick Leave) Apply tot his job Apply To this Job