Financial Solutions Specialist I

Sun Community Federal Credit U • El Centro, CA

2d • $23 - $34 • Onsite

About The Position

Responsible for performing collection activities for delinquent member accounts, including credit cards, lines of credit, unsecured loans, vehicle loans, signature loans, real estate loans, and home equity lines of credit. Reviews delinquent accounts, identifies the causes of delinquency, and proactively contacts members to discuss repayment options and resolve past-due balances. Utilizes effective communication, negotiation, problem-solving, and skip tracing techniques, as appropriate, to locate members, resolve delinquencies, minimize losses, and protect the Credit Union's assets. Assists members by identifying appropriate repayment arrangements, hardship solutions, and other available Credit Union resources in accordance with established policies, procedures, and applicable regulatory requirements. Performs collection activities in compliance with all applicable federal and state laws, regulations, and Credit Union policies. Maintains accurate and timely documentation of member interactions, collection efforts, payment arrangements, and account status within designated systems. Provides a solution-oriented member experience that supports the Credit Union's mission, vision, and strategic objectives while balancing member service with sound risk management practices. Assists the Financial Solutions Department by maintaining departmental records and files and providing administrative and operational support as needed.

Requirements

• High school diploma or equivalent required.
• Proficient in Microsoft Office applications.
• Ability to learn and effectively use the Credit Union's core processing system, collections software, and other business applications.
• Basic knowledge of collection practices, lending products, and member service principles.
• Strong verbal and written communication skills.
• Effective negotiation, problem-solving, and conflict resolution skills.
• Strong organizational skills with attention to detail and the ability to prioritize multiple tasks.
• Ability to maintain confidentiality and exercise sound judgment.
• Ability to work independently and collaboratively in a team environment.

Nice To Haves

• Associate degree or college coursework in business, finance, or related field preferred.
• Minimum of one (1) year of experience in collections, customer service, financial services, or a related field preferred.
• Experience in a credit union or financial institution is a plus.
• Previous experience working in a credit union, bank, or other financial institution.
• Knowledge of consumer lending and collection practices.
• Bilingual (English/Spanish) preferred
• Experience working with collection software or loan servicing systems preferred.

Responsibilities

• Responds to member inquiries by phone, email, and other communication channels regarding delinquent accounts, payment options, providing accurate information and guidance to support account resolution.
• Performs collection activities on delinquent member accounts, including credit cards, lines of credit, unsecured loans, vehicle loans, signature loans, real estate loans, and home equity lines of credit.
• Contacts delinquent members to discuss account status, identify the causes of delinquency, and establish appropriate repayment arrangements or other available solutions.
• Utilizes approved collection tools and techniques, including account research, skip tracing, correspondence, and other collection methods, to resolve delinquent accounts and minimize losses.
• Monitors assigned accounts and performs collection efforts until the account is resolved, charged off, referred for bankruptcy processing, or otherwise reassigned.
• Performs further appropriate collection activities, including obtaining and reviewing credit reports, preparing and sending collection correspondence, and field contact efforts to support delinquency resolution and account recovery.
• Accurately documents member interactions, collection activities, payment arrangements, and account status within the Credit Union's collection system.
• Responds to member questions and concerns professionally and escalates complex issues to the appropriate Financial Solutions team member when necessary.
• Performs collection activities in compliance with applicable laws, regulations, Credit Union policies, and departmental procedures.
• Assists with departmental administrative duties, including correspondence, reports, recordkeeping, and special projects assigned.
• Maintains the confidentiality of member information and demonstrates a professional, team-oriented, and member-focused approach.
• Keeps management informed of significant collection issues or trends and remains current on applicable policies, procedures, and regulatory requirements.
• Reports unusual or suspicious activity in accordance with the Credit Union's Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) Program requirements.
• Completes all required compliance and regulatory training, including annual BSA/AML training.

What This Job Offers

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