Skip Tracing Specialist - Collections

OnPoint Credit Union • Portland, OR

9d

About The Position

We’re in the financial services industry, but we’re not a bank. We’re in the “people” business. Inspired by the credit union philosophy of “people helping people,” we’ve developed a strong and growing tradition of investing in our employees, our members, and our community. OnPoint is the largest community owned credit union in Oregon – and we’re growing! Our growth provides great opportunities for you to reach your personal and professional goals. We value enthusiasm, commitment to outstanding performance, and providing opportunities to truly make a difference. If you are looking to join a team of dedicated, collaborative, and passionate individuals, OnPoint is looking for our next Skip Tracing Specialist. We invite you to explore and grow your career with us!

JOB SUMMARY:

The Collections Skip Tracing Specialist locates hard-to-reach borrowers with delinquent accounts and supports late-stage collection and recovery efforts through detailed investigative research. This role helps mitigate loss by identifying current contact information, researching high-risk accounts, and accelerating resolution. The position requires strong analytical skills, persistence, attention to detail, and the ability to manage sensitive information in a confidential and compliant manner. The specialist leverages advanced investigative tools, public databases, and industry platforms to support final resolution stages, with a focus on high-value collateral and significant outstanding balances, and collaborates with the Fraud department when necessary.

Requirements

• Strong understanding of collections, recovery processes, and late-stage delinquency workflows
• Thorough understanding of fraud indicators and patterns in financial services
• Investigative mindset with a high attention to detail
• Excellent analytical and creative problem-solving abilities
• Strong written and verbal communication skills for coordination and thorough documentation
• Demonstrates resilience in researching difficult-to-locate individuals through persistence and resourcefulness
• Ability to maintain high levels of confidentiality & compliance
• Strong time management & prioritization skills to identify and prioritize high-value or high-risk accounts to OnPoint
• Ability to partner effectively with Collections, Recovery, and Fraud teams
• High School diploma or equivalent required
• 4 years of experience in a financial institution required
• 3 years of experience in Collections required
• Prior experience using investigative databases and online research tools.
• Working knowledge of FDCPA, FCRA, UDAAP, and other consumer protection regulations.

Nice To Haves

• 2 years of experience in skip tracing, investigations, or related field preferred
• Experience in auto finance, financial services, or asset recovery strongly preferred
• Certifications related to collections, credit management, or financial services preferred, such as Certified Credit and Collection Professional (CCCP), Certified Collection Professional (CCP), or similar
• High attention to detail and accuracy in documentation.
• Ability to work independently in a fast-paced, metrics-driven environment.

Responsibilities

• Conduct skip tracing using public records, proprietary databases, credit bureaus, and other investigative tools to locate members/debtors.
• Research and verify personal identifiers, addresses, place of employment, phone numbers, and third-party contacts for members with delinquent accounts.
• Collaborate with collection specialists to provide updated location and contact information found through the skip-tracing process.
• Document findings, actions, and results in the collections system accurately and in real time.
• Maintain strict compliance with FDCPA, GLBA, FCRA, CFPB and other federal/state regulations.
• Handle sensitive data in accordance with organizational policies and confidentiality standards.
• Work late stage and recovery queues to identify accounts requiring skip tracing intervention.
• Recommend strategies for hard-to-locate accounts and escalation paths when needed.
• Support outbound collection efforts through timely and accurate investigative results, collecting on accounts once members have been located.
• Collaborate with the Fraud department if information is found that suggests a potential fraud concern
• Additional projects, responsibilities, or other duties assigned.

Benefits

• OnPoint employees are rewarded, acknowledged and appreciated!
• We take care of our Members, and OnPoint takes care of us by offering employees a generous vacation package, incentives, competitive hourly pay, 100% - paid employee medical, dental and vision premiums, Tri-Met / parking passes, 401k matching, tuition reimbursement and more!

What This Job Offers

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