Credit Solutions Advisor

Soarion Credit Union • San Antonio, TX

2d • Onsite

About The Position

The Credit Solutions Advisor (CSA) helps Credit Union members resolve delinquent loan and share accounts by identifying payment solutions and providing guidance through financial challenges. The role handles collection activities, account research, skip tracing, payment processing, and recommendations for loss mitigation, including loan modifications, refinancing, repossession, foreclosure, and charge-offs. The CSA works with members on delinquency, insurance-related matters, and other account issues while following Credit Union policies and delivering exceptional member service. This is an onsite position; occasional remote work may be available for select positions with prior management approval. The role may require overtime or Saturday work, local travel, or work at other branch locations as needed.

Requirements

• High school diploma or GED.
• 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.
• Commitment to providing exceptional member service.
• Must be bondable.
• Must be available to work overtime or Saturdays as needed.
• Ability to travel locally or work from other branch locations as needed.
• Ability to lift up to 25 pounds occasionally.

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 about delinquent loans, credit cards, mortgages, and negative share accounts.
• Establish payment arrangements and account resolution plans with members.
• Research and resolve delinquent account issues while maintaining a positive member experience.
• Perform skip tracing 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 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 Credit Union’s financial health through effective account management.
• Process a high volume of member requests accurately and efficiently.

Benefits

• Free health coverage for the employee.
• Free dental coverage for the employee.
• Generous paid time off (PTO) bank.
• Paid days off for federal holidays.

What This Job Offers

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