Skip Tracing Specialist

AmeriCU Credit Union•City of Rome, NY

4d•$28 - $35•Remote

About The Position

AmeriCU Credit Union is hiring a Skip Tracing Specialist to join our Credit Solutions team. This Skip Tracing Specialist role is critical to helping locate members, resolve delinquent accounts, and support financial recovery efforts while delivering a professional and empathetic member experience. If you have strong investigative skills, collections experience, and enjoy solving complex problems, this Skip Tracing Specialist opportunity may be a great fit.

Requirements

Strong investigative skills
Collections experience
Enjoy solving complex problems

Responsibilities

Conduct advanced skip tracing to locate borrowers and secured collateral using internal systems, credit bureau data, and third-party tools
Research and verify updated contact details including addresses, phone numbers, employment, and assets
Use tools such as DNA (Symitar), TLO, public records, and online databases to locate hard-to-reach individuals
Provide actionable intelligence on accounts to improve recovery outcomes and portfolio performance
Manage delinquent accounts through inbound and outbound communication (phone, email, text)
Re-establish contact with members and guide accounts toward resolution
Negotiate repayment solutions including payment plans, loan modifications, and hardship arrangements
Evaluate members’ financial situations to determine appropriate solutions
Process hardship applications and make informed recommendations
Communicate professionally and empathetically in challenging conversations
Provide financial guidance that supports long-term member success
Contact references, employers, and related parties when appropriate