Collections Representative

Hybrid Collections Representative Pay Rate:

$17.00/hour

Start Date:

6/22/2026 Our client is a Fortune 500 global credit union headquartered in Vienna, Virginia, chartered and regulated under the authority of the National Credit Union Administration. They are the largest natural member credit union in the United States, both in asset size and in membership. Their contact centers are located in Winchester, VA and Pensacola, FL. They are currently hiring for Collections Representatives! As a Collections Representative, you will be responsible for: To control/collect on past due Consumer Loan and Credit Card accounts for all stages of delinquency, in accordance with all government and Credit Union rules and regulations. Provide member financial counseling and mitigate loss for the Credit Union. Collect on 31-60 days delinquent accounts. Work independently on progressively more complex default accounts. Work with members to present recommendations for complex Consumer/Credit Card collection solutions. Process settlements, repossessions and/or negotiate loss mitigation offers to mitigate loss/risk. May provide advice/guidance to Delinquency Control Counselor I/II. Work with minimal supervision. Responsibilities Contact delinquent members in an attempt to cure delinquency utilizing all payment options and loss mitigation tools offered. Obtain detailed financial information from delinquent members and analyze information gathered to determine optimal solutions for curing delinquency Notate in Collection systems members' arrangements, reason(s) for delinquency, and any offered charge-off alternatives offered to members Maintain working knowledge of the federal and state consumer protection laws (Unfair, Deceptive, or Abusive Acts or Practices; Fair Debt Collection Practices Act; Fair Credit Reporting Act; Servicemembers Civil Relief Act; etc.) Perform manager share transfers for amounts up to authorized limits Offer short/long term solutions including repayment plans, promises-to-pay, loan modifications, refinances, personal finance management, and deferral programs Explain and communicate relinquishing options such as settlements Provide guidance and coaching to less experienced staff Maintain awareness of changes in regulatory requirements and practices Ensure required notifications, including collection emails, letters, and any applicable state/regulatory letters, are sent timely to members Provide required reporting to supervisors, as well as specialized reports to management (including daily in-house, activity trends, and payment tracking) Use online tools and contact appropriate parties Perform other related duties as assigned or appropriate Qualifications Significant experience in collecting and negotiating on delinquent Consumer/Credit Card accounts Advanced knowledge of Consumer/Credit Card collection servicing accounts Working knowledge of bankruptcy, settlements, default reporting, repossession, loss mitigation and charge-off Advanced knowledge of federal and state consumer protection laws (Unfair, Deceptive, or Abusive Acts or Practices; Fair Debt Collection Practices Act; Fair Credit Reporting Act; Servicemembers Civil Relief Act; etc.) Desired - Working knowledge of Navy Federal processes and different types of transactions Effective skill to work independently on progressively more complex Consumer/Credit Card default accounts Effective skill in researching accounts, public records, internet, and other resources to identify means of contacting delinquent members Advanced planning, organizational, and time management skills Advanced research, analytical, and problem solving skills Effective verbal and written communication skills Effective skill exercising initiative and using good judgment to make sound decisions Advanced skill following, interpreting, and applying relevant data/instructions to guidelines, procedures, practices and regulations Advanced skill navigating multiple screens and PC applications and adapting to new technologies #LI-KV1 #RapidHire #ZR #RTE4IND