Collections Representative I

DATCU•Corinth, TX

12d•Hybrid

About The Position

The Collections Representative I is responsible for managing and resolving delinquent member accounts, including past-due loans and negative share accounts. This role safeguards the Credit Union’s financial position by conducting thorough account reviews, determining appropriate collection strategies, and ensuring all actions align with regulatory requirements and internal policies. This position is Monday through Friday 8:00am - 5:00pm, with rotating Saturdays from 9:00am - 1:00pm, with the potential to work a hybrid schedule.

Requirements

1-3 years of experience in collections with a financial institution
Knowledge in a collections module system
Thorough knowledge of collection procedures, skip tracing, and related laws and regulations.
Strong negotiation, communication, and conflict-resolution skills
Clear, effective and professional telephone interactions
Ability to analyze account data and identify payment trends or risks
Attention to detail with excellent organizational skills
Ability to work independently and manage a high-volume workload
Professional demeanor with a customer-focused mindset
High School Diploma or GED certificate

Nice To Haves

Experience with Symitar, Akuvo, Temenos or similar
Knowledge of credit and risk assessment processes
Familiarity with compliance requirements related to collections
Bilingual a plus.

Responsibilities

Manage a portfolio of assigned accounts to ensure timely collection of outstanding balances
Contact customers via phone, email, and written correspondence regarding delinquent accounts
Negotiate payment arrangements and resolve billing disputes in a professional and compliant manner
Review aging reports and proactively prioritize collection efforts
Work collaboratively with colleagues to resolve account issues
Maintain accurate and detailed documentation of collection activity
Ensure compliance with internal policies and applicable federal and state regulations