Collections Officer

RadiFi Credit Union • Jacksonville, FL

5d • 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.
• 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.
• Regularly required to sit and talk or hear.
• Occasionally required to stand; walk and reach with hands and arms.
• Must occasionally lift and/or move up to 25 pounds.
• Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus.
• Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team.
• Must be able to read and carry out various written instructions and follow oral instructions.
• Must be able to speak clearly and deliver information in a logical and understandable sequence.
• Must be able to perform basic mathematical calculations with extreme accuracy.
• Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public.
• Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace.
• Must be able to effectively handle multiple, simultaneous, and changing priorities.
• Must be capable of exercising highest level of discretion on both internal and external confidential matters.
• Must be able to stay calm when being challenged by customers in a stressful manner.

Nice To Haves

• Prior collections experience is preferred.

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: Mid Level
• Education Level: High school or GED
• Number of Employees: 11-50 employees