Credit Solutions Associate I - Miramar
About The Position
At Space Coast Credit Union (SCCU), members are at the heart of the organization’s work. Since 1951, SCCU has provided financial services founded on integrity and a people-first philosophy. The Credit Solutions Associate works at the Miramar Operations Center to help members understand their options for bringing past-due accounts current, while protecting the credit union from unnecessary losses. The associate represents SCCU by providing quality member service. The role handles delinquent consumer, mortgage, and business loans, excluding legal and bankruptcy accounts. It includes responding to department calls, contacting past-due members and co-makers, arranging or transferring payments, researching account issues, documenting collection activity, and sending accurate loan error corrections to Loan Servicing. Associates explain options such as payment plans, refinancing, modifications, extensions, rewrites, short sales, deeds in lieu, and other applicable programs. This is a hybrid position requiring two days per week in the office. The stated schedule is Monday through Friday between 8:00 a.m. and 7:00 p.m., with rotating Saturdays from 9:00 a.m. to 3:00 p.m. The position offers a starting salary of $22.18–$23.48 per hour and eligibility for one SCCU annual bonus.
Requirements
- 1 to 2 years of experience in a consumer debt collections or sales environment.
- High school diploma or equivalent.
Nice To Haves
- Experience with vehicle and mortgage collections and loss mitigation.
Responsibilities
- Provide solutions to bring past-due accounts current, excluding legal and bankruptcy accounts, and help keep delinquent loans to a minimum.
- Work loans including consumer, mortgage, and business loans.
- Answer inbound department calls, make payment arrangements, transfer payments, and research past-due loan problems.
- Send accurate loan error corrections to the Loan Servicing Department.
- Attempt telephone contact with all past-due members, including co-makers, as presented on the predictive dialer.
- Offer members delinquency solutions, including payment plans, refinancing, modifications, loan extensions, rewrites, short sales, deeds in lieu, or other local programs.
- Send letters to members in accordance with established department guidelines.
- Thoroughly document calls, promises to pay, updates, and other work using the correct action and response codes on the day the action occurs.
Benefits
- Medical, dental, and vision insurance.
- Employee Assistance Program.
- 401(k) match of 5%.
- HSA match.
- SCCU-paid short- and long-term disability insurance.
- SCCU-paid life insurance.
- Tuition reimbursement after one year of service.
- 20+ days of PTO, birthday PTO, and 11 federal holidays.
- Lower rates on loans and credit cards, and no-fee SCCU accounts.
- Eligibility for one SCCU annual bonus.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
High school or GED
