Collections Officer

RadiFi Credit Union • Jacksonville, FL

64d • Onsite

About The Position

RadiFi Credit Union is seeking a Collections Officer to be responsible for protecting the assets of the credit union by reducing delinquency and minimizing losses through the effective collection of past-due accounts. This position requires professional, empathetic, and solution-focused communication with members to bring accounts current, while upholding the credit union's service standards and values.

Requirements

• One year to three years of collections, call center, or financial services experience is required. Prior collections experience is preferred.
• A high school education or GED.
• Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.
• Strong communication and negotiation skills with the ability to remain professional, empathetic and firm.
• Ability to work independently and as part of a team to achieve department goals.
• Ability to analyze financial situations and recommend workable solutions. Proficient with Microsoft Office.
• Strong organizational skills with attention to detail and accuracy.

Responsibilities

• Contact members by phone, email, text, and mail, to resolve delinquent accounts in accordance with credit union policies, procedures, and regulatory requirements.
• Review accounts daily, analyze repayment ability, and negotiate appropriate repayment arrangements.
• Educate members on payment options, account status, and financial solutions to help resolve delinquency.
• Maintain accurate documentation of all collection activities in the member’s account record.
• Recommend accounts for repossession, legal action, charge-off, or outside collection agency placement when necessary.
• Work collaboratively with internal departments to ensure accurate account handling and to provide a positive member experience.
• Stay current with collection laws, regulations (e.g., Fair Debt Collection Practices Act), and credit union policies.
• Participate in collection campaigns, special projects, and department initiatives to meet delinquency and recovery goals.
• Performs other job-related duties as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED
• Number of Employees: 51-100 employees