Credit Solutions Advisor

Soarion Credit Union • San Antonio, TX

2d • Onsite

About The Position

The Credit Solutions Advisor (CSA) helps members resolve delinquent loan and share accounts by identifying payment solutions and providing guidance through financial challenges. This role is responsible for collection activities, account research, skip tracing, payment processing, and recommending appropriate loss mitigation strategies, including loan modifications, refinancing, repossession, foreclosure, and charge-offs. The CSA partners with members to address delinquency, insurance-related matters, and other account issues while maintaining compliance with Credit Union policies and delivering exceptional member service.

Requirements

• High School Diploma or GED required.
• 1-3 years of collections, loan servicing, financial services, or related experience.
• Strong customer service, communication, and problem-solving skills.
• Ability to manage multiple priorities while maintaining attention to detail.
• Working knowledge of Microsoft Office applications and general computer systems.
• Ability to interpret policies, procedures, and applicable collection regulations.
• Self-motivated with the ability to work independently and collaboratively within a team environment.
• Commitment to providing exceptional member service.
• Must be bondable.
• Ability to process a high volume of member requests accurately and efficiently.

Nice To Haves

• Experience working within a credit union or financial institution.
• Knowledge of consumer lending, collections, skip tracing, bankruptcy processing, and loss mitigation practices.
• Familiarity with Symitar or similar core banking systems.
• Willingness to obtain the CUNA Certified Financial Counselor certification within the first year of employment.

Responsibilities

• Contact members regarding delinquent loans, credit cards, mortgages, and negative share accounts.
• Work with members to establish payment arrangements and account resolution plans.
• Research and resolve delinquent account issues while maintaining a positive member experience.
• Perform skip tracing activities to locate members and obtain updated information.
• Recommend loss mitigation solutions to reduce delinquency and minimize losses.
• Process payments and maintain accurate account documentation.
• Assist with bankruptcy, legal, and recovery-related activities.
• Review accounts and recommend appropriate actions, including extensions, modifications, or charge-offs.
• Ensure collection activities comply with all applicable regulations and Credit Union policies.
• Collaborate with internal departments to resolve member concerns and account issues.
• Monitor account performance and follow up on outstanding commitments.
• Maintain confidentiality and safeguard member information.
• Identify opportunities to improve processes and member service.
• Provide exceptional service while balancing member needs and Credit Union objectives.
• Support the overall financial health of the Credit Union through effective account management.

Benefits

• FREE Health and Dental Coverage for you as an employee
• GENEROUS Paid Time Off (PTO) bank
• All paid days off for Federal holidays

What This Job Offers

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