About the role

  • Collections Representative managing late-stage delinquent accounts at Municipal Credit Union. Responsible for member outreach to resolve past-due balances efficiently and courteously.

Responsibilities

  • Responsible for managing late-stage delinquent accounts
  • Contact members through multiple channels to resolve delinquencies
  • Conduct outbound and receive inbound calls to negotiate payment arrangements
  • Accurately update system notes and maintain records of member interactions
  • Identify, evaluate, and resolve reasons for delinquency
  • Process payments from members to cure account delinquency
  • Counsel members on available alternatives to eliminate delinquency
  • Analyze member financial situations to determine appropriate solutions
  • Identify hardship cases and escalate appropriately
  • Educate members on their account status and payment options
  • Adhere to all collection policies, procedures, and applicable laws
  • Utilize skip tracing tools for locating members
  • Collaborate with other business units to resolve disputes
  • Meet or exceed departmental goals and performance metrics
  • Participate in ongoing training and development sessions
  • Perform other duties as required

Requirements

  • High school diploma or equivalent required
  • 3-5 years of experience in customer service or collections
  • Strong verbal and written communication skills
  • Ability to handle high call volumes while maintaining professionalism and accuracy
  • Available to work overtime and Saturdays as required
  • Ability to work independently
  • Strong negotiation, communication, and problem-solving skills
  • Experience with collection systems and basic office software (e.g., Microsoft Office)
  • Bilingual (Spanish/English) preferred but not required

Benefits

  • Competitive compensation
  • Medical and dental benefits
  • 401K with employer contribution
  • Flexible paid time off

Job title

Collections Representative II

Job type

Experience level

Mid levelSenior

Salary

$19 - $32 per hour

Degree requirement

High School Diploma

Location requirements

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