Collector II

Chief Financial Credit Union • Rochester Hills, MI

8d • Hybrid

About The Position

Collector II Help Members Find a Way Forward. Collections at Chief Financial Credit Union is about more than collecting a past-due payment. It’s about helping people. Life happens. A job changes. An unexpected expense comes up. A member falls behind. That’s where you come in. As a Collector II, you’ll work directly with members to understand their situation, talk through options, and find realistic solutions that help them get back on track — while also protecting the Credit Union and managing delinquency responsibly. We’re looking for an experienced collections professional who knows how to balance empathy with accountability, navigate difficult conversations with confidence, and turn challenging situations into positive member experiences. This position is classified as an in-office role. We believe being together during training is important to learning our systems, understanding our culture, and building strong connections with your team. Once fully trained and consistently meeting performance expectations, employees may have the opportunity to work remotely 1–2 days per week, based on department and business needs. Remote work is not guaranteed and may vary over time.

Requirements

• Previous collections, lending, financial services, or closely related experience and are ready to take on more complex accounts.
• Comfortable discussing delinquency and asking for payment while maintaining a member-service mindset.
• Strong judgment and can balance helping the member with protecting the Credit Union.
• Can analyze financial information and use it to recommend appropriate solutions.
• Communicate confidently and professionally by phone and in writing.
• Stay organized and accurately document conversations, commitments, and account activity.
• Can handle sensitive and sometimes difficult conversations with tact, diplomacy, and confidentiality.
• Enjoy solving problems and finding a path forward.
• Comfortable working toward individual and department performance expectations.
• Have a high school diploma or GED.

Responsibilities

• Connect with members regarding delinquent loans and accounts and help identify solutions to bring them current.
• Listen to members, understand their financial circumstances, and provide thoughtful guidance on repayment options.
• Develop customized payment arrangements when appropriate and follow through to ensure commitments are met.
• Analyze borrowers' financial situations and determine appropriate next steps when traditional repayment arrangements aren't successful.
• Manage more advanced collection activities, including credit reporting disputes, negative deposit accounts, repossession preparation, and accounts requiring legal action.
• Maintain accurate, timely documentation of collection activity and member interactions.
• Identify potential fraud or account concerns and take appropriate action.
• Work closely with your teammates and leadership to meet department goals and provide an outstanding member experience.
• Stay current on Credit Union procedures, compliance requirements, and collection best practices.

Benefits

• Medical insurance — Blue Cross Blue Shield PPO and BCN HMO options with a $500 deductible
• Employer contribution toward medical, dental, and vision premiums
• Insurance waiver rebate for eligible employees who do not need medical coverage through Chief
• 401(k) employer contribution
• $50,000 in employer-paid life insurance
• Employer-paid Short-Term Disability (STD) and Long-Term Disability (LTD) coverage
• Paid holidays
• Generous vacation and PTO
• Tuition reimbursement Program 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