Bilingual (Spanish) Collector II

Chartway Credit Union•Virginia Beach, VA

About The Position

The Collector II is responsible to the Collections Manager/Supervisor for efficiently processing assigned accounts. The role contacts delinquent members to obtain past-due payments, secure commitment agreements, establish repayment plans, or recommend actions to mitigate Credit Union losses. The position also supports collection operations through account processing, mentoring, special projects, and loss-prevention recommendations. Spanish fluency is required. The position is based in Virginia Beach, Virginia, or South Jordan, Utah, and offers a hiring range of $20–$22 per hour; higher compensation may be considered based on experience, qualifications, and internal equity. Candidates must have a good credit history for consideration.

Requirements

Bilingual in Spanish.
Minimum of 2 years of collections experience in consumer loans, mortgage, fraud, small business, or student loans, or equivalent experience working mid- to high-level delinquency accounts.
High school education or equivalent GED.
Meet or exceed all Level 1 position training requirements.
Communicate clearly and professionally using proper grammar and telephone etiquette.
Correspond professionally using Word, Excel, and Outlook.
Refer to policies and procedures when applying information and making decisions.
Adapt quickly to the changing needs of the Collections Department.
Perform basic mathematical calculations, including addition, subtraction, multiplication, division, and percentages.
Adhere to state and federal collection and bankruptcy laws, rules, and regulations.
Understand cross-collateralization policies and credit rating agencies and reports.
Maintain composure with difficult or irate customers.
Have a good credit history for consideration.
Include salary requirements and submit a Chartway Employment Application with the resume.

Responsibilities

Contact delinquent members to obtain past-due payments, commitment agreements, or repayment plans, or make recommendations to mitigate Credit Union losses.
Process Collections Department payments via Western Union, Converge, and ECM (ACH and credit card).
Maintain established performance standards.
Train and mentor Level 1 collectors.
Assist management with special collection projects.
Send collection letters and emails using expiration dates and notices appropriate to the delinquency type.
Recommend and prepare workout packets in accordance with the approved Workout Program.
Handle bankruptcy accounts and work with the repossession process, including letters, arrangements, fees, payments, and CPI.
Skip trace using approved sites.
Follow FDCPA requirements, collection procedures, and Chartway Credit Union policies and procedures.
Assist in other areas as directed by managers.
Recommend loss-prevention strategies that protect the Credit Union's interest in collateral.
Attend required Credit Union meetings and successfully complete required training classes.