Bilingual (Spanish) Collector II

Chartway Credit Union; South Jordan (UT); On-site; USD 28,000 - 30,000; Full time

Job summary

Chartway Federal Credit Union is seeking a full-time Collector to manage delinquent accounts and implement repayment plans in a fast-paced environment. The role reports to the Collections Manager/Supervisor and involves processing payments, letters, and workout packets while maintaining policy compliance.

The ideal candidate has at least 2 years in collections, strong communication skills, and the ability to work with various loan types. This on-site position offers competitive pay and benefits.

Qualifications

• High school diploma or GED required.
• Minimum of 2 years of collections experience in consumer or other loan areas or delinquency.
• Ability to communicate clearly and professionally; teamwork oriented.

Responsibilities

• Process collection payments via Western Union, Converge, ECM (ACH and Credit Card).
• Maintain established performance standards for the dept.
• Train and mentor Level 1 collectors.
• Assist management with special collection projects.
• Send collection letters/emails using delinquency-appropriate notices.
• Recommend and prepare Workout Packets following approved programs.
• Understand FDCPA and Chartway policies; manage various loan types.
• Skip trace using approved sources; pursue loss prevention opportunities.

Skills

Communication skills

Phone etiquette

Word

Excel

Outlook

Education

High school diploma or GED

Tools

Western Union

Converge

ECM

Job description

Collector

Job Type: Full-time

Department Hours: Monday-Friday 9:00am-6:00pm (1-2 Saturdays per month- 4-hr shift)

Location: Virginia Beach, Virginia or S Jordan, Utah

Hiring Range: $20 - $22 per hour

(Higher compensation may be considered based on experience, qualifications, and internal equity)

All of us at Chartway stand united in our strong culture of listening and learning. We treat people with respect, integrity, and kindness, and are committed to continuously developing a diverse and inclusive workplace where team members are empowered to be their authentic selves. All backgrounds, viewpoints, and life experiences are welcome, knowing this commitment strengthens our credit union family and communities.

The Collector is responsible to the Collections Manager/Supervisor for the efficient processing of assigned accounts. Contacts members delinquent members and obtain past due payments, commitment agreements, establish a repayment plan, or make recommendations to mitigate the Credit Union loss.

Responsible And Accountable For

• Processes collection department payments via Western Union, Converge, ECM (ACH and Credit Card).
• Maintains established performance standards.
• Train and mentor level 1 collector.
• Assists management with special collection projects.
• Sends collection letters and emails using expiration dates and notices that are appropriate with delinquency type
• Recommends and prepares Workout Packets following approved Workout Program.
• Solid understanding of how to handle bankruptcy accounts
• Working knowledge of Repo process, letters, arrangements, fees, payments, and CPI.
• Responsible to understanding all loan types
• Skip Trace using approved sites.
• Understanding FDCPA, collection procedures and following Chartway Credit Union Policy and Procedures.
• Assists in area as directed by manager(s).
• Recommend loss prevention strategies that provide protection for the credit union with respect to its interest in collateral.

Knowledge, Skills, And Abilities

• Communicate clearly utilizing proper grammar and telephone etiquette effectively and in a professional matter.
• Ability to correspond in a professional manner using Word, Excel, and Outlook.
• Ability to refer to policy and procedures when applying information and making decisions.
• Ability to change quickly with the needs of the Collection Department.
• Ability to compute math calculations using addition, subtraction, multiplications division and percentages.
• Adherence to State and Federal collection and bankruptcy laws, rules, and regulations. Cross- Collateralization polices Credit rating agencies and reports.
• Must be able to maintain composure with difficult or irate customers.
• Meet or exceed all training requirements for Level 1 position
• Ability to attend all required Credit Union meetings and successfully complete all required training classes.

Education And Experience

• Education: High school education or equivalent GED.
• Experience: Minimum of 2 years of Collections experience in any of these areas. Consumer loan, Mortgage, Fraud, Small Business and Student Loans or equivalent experience working mid to high level delinquency accounts.

Chartway offers a competitive salary and a comprehensive benefits package. Candidates must have a good credit history for consideration. Salary requirements must be included, and resumes must be accompanied by a Chartway Employment Application for consideration.

Chartway Federal Credit Union is an EOE/M/F/Disability/Vet Employer.

If a reasonable accommodation is needed for the job interview process, please contact our Talent Acquisition Team at 1-877-319-4818 extension 45863 or email us at [e-mail].