Collections Representative I

Collections Representative

I DATCU - 3.3

Corinth, TX Job Details Full-time 7 hours ago Benefits Paid holidays Health insurance Dental insurance 401(k) Paid time off Opportunities for advancement Qualifications Compliance with loan regulations Phone communication Regulatory compliance High school diploma or GED Debt collection skip tracing Data interpretation Customer payment analysis report Debt collection negotiation Banking Collections account management Client interaction via phone calls Full Job Description Position Summary The Collections Representative I is responsible for managing and resolving delinquent member accounts, including past-due loans and negative share accounts. This role safeguards the Credit Union's financial position by conducting thorough account reviews, determining appropriate collection strategies, and ensuring all actions align with regulatory requirements and internal policies. This position is Monday through Friday 8:00am - 5:00pm, with rotating Saturdays from 9:00am - 1:00pm, with the potential to work a hybrid schedule. Key Responsibilities Manage a portfolio of assigned accounts to ensure timely collection of outstanding balances Contact customers via phone, email, and written correspondence regarding delinquent accounts Negotiate payment arrangements and resolve billing disputes in a professional and compliant manner Review aging reports and proactively prioritize collection efforts Work collaboratively with colleagues to resolve account issues Maintain accurate and detailed documentation of collection activity Ensure compliance with internal policies and applicable federal and state regulations What We Offer Competitive pay based on experience Comprehensive benefits package (medical, dental, 401(k), etc.) Paid time off and company holidays Opportunities for professional growth and advancement Supportive, collaborative work environment Required Qualifications 1-3 years of experience in collections with a financial institution Knowledge in a collections module system Thorough knowledge of collection procedures, skip tracing, and related laws and regulations. Strong negotiation, communication, and conflict-resolution skills Clear, effective and professional telephone interactions Ability to analyze account data and identify payment trends or risks Attention to detail with excellent organizational skills Ability to work independently and manage a high-volume workload Professional demeanor with a customer-focused mindset High School Diploma or GED certificate Preferred Qualifications Experience with Symitar, Akuvo, Temenos or similar Knowledge of credit and risk assessment processes Familiarity with compliance requirements related to collections Competencies Results-driven Strong analytical thinking Effective communicator Sound judgment and discretion Team-oriented with cross-functional collaboration skills Equal Opportunity Employer / Veterans / Disabled Bilingual a plus.