Collection Specialist II

Chief Financial Credit Union • Rochester Hills, MI

5d • Hybrid

About The Position

At Chief Financial Credit Union, collections looks a little different. Of course, our goal is to resolve delinquency and protect the Credit Union. But we also know there's a person behind every past-due account — and the right conversation can make a real difference. We're looking for an experienced Collections Specialist II who knows how to balance empathy with accountability. Someone who can ask for payment, negotiate solutions, hold members accountable, and take appropriate collection action when necessary — while still treating every member with dignity and respect. If you have experience in collections, loan servicing, lending, banking, or credit unions and want to use those skills in a member-focused environment, we'd love to meet you.

Requirements

• Previous collections, lending, loan servicing, banking, credit union, or financial services experience.
• Comfortable discussing delinquency and confidently asking for payment.
• Ability to balance member service with accountability.
• Knowledge of negotiation, problem-solving, and working toward mutually workable solutions.
• Understanding of when an account requires additional collection action.
• Ability to communicate confidently and professionally by phone and in writing.
• Ability to manage multiple accounts, follow-up dates, commitments, and deadlines.
• Ability to maintain accurate documentation and pay close attention to detail.
• Comfortable working toward individual and department performance expectations.
• Ability to handle confidential and sensitive financial information professionally.
• High school diploma or GED.

Responsibilities

• Contact members regarding delinquent loans and accounts and work toward bringing accounts current.
• Talk with members about their financial circumstances and identify realistic repayment solutions.
• Negotiate and establish payment arrangements and follow up on commitments.
• Analyze financial situations and determine appropriate next steps when traditional repayment arrangements aren't successful.
• Manage credit reporting disputes and negative deposit accounts.
• Prepare accounts for repossession or legal action when other collection efforts have been exhausted.
• Monitor accounts for potential fraud or other concerns.
• Maintain accurate documentation of collection activity, member conversations, commitments, and follow-up.
• Work toward individual and department collection goals while providing professional, respectful member service.

Benefits

• Competitive pay range of $22.00–$25.00/hour
• Blue Cross Blue Shield PPO or BCN HMO medical coverage with a $500 deductible
• Employer contributions toward medical, dental, and vision premiums
• $50,000 in life insurance — 100% employer paid
• Short-Term and Long-Term Disability — 100% employer paid
• 401(k) employer contribution
• Paid holidays
• Generous vacation and paid time off
• Insurance waiver rebate for eligible employees who don't need medical coverage through Chief
• Tuition reimbursement after one year of employment (qualifying terms apply)

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED