Charge Off Recovery Collector

connexuscu; United States; Remote; USD 43,000 - 75,000; Full time

Benefits offered by this job

PTO – 20 days

10 paid holidays

Volunteer Time Off

401K with up to 6% match

Health, Dental, Vision

Health Savings Account

Life insurance

Disability coverage

Tuition Reimbursement

Learning & Development stipend

Job summary

Connexus Credit Union is seeking a Remote Charge Off Recovery Collector to work accounts after they reach charged off status. You will pursue payment plans, work with third parties, and prepare for potential legal action while delivering best-in-class service to members and partners.

The role requires 1+ years in collections or related areas, strong negotiation and communication skills, and knowledge of debt collection regulations.

Qualifications

• 1+ year of collections, legal collections, repossession or post charge off recovery experience.
• Ability to negotiate viable payment plans with members based on standardized processes.
• Knowledge of CFPB, FDCPA and debt collection regulations.

Responsibilities

• Contact members by phone, mail, and electronic communications to collect on written off loans.
• Process communications including DSA agreements, disputes, cease and desist requests.
• Perform skip tracing to locate members and assets.
• Maintain detailed written records of communications and account actions.
• Prepare regular reports on collection activities and account statuses.
• Coordinate with third party agencies and attorneys; file estate claims when needed.

Skills

Collections

Negotiation

Communication

Team player

Independence

Job description

Connexus Credit Union - Who We Are:

Serving members across all 50 states, Connexus Credit Union is a member-focused cooperative that is proud to return profits to member-owners through high yields for checking accounts and deposit products, as well as competitive rates on our loans. We are a remote first employer with the majority of our employees residing in the upper Midwest.

As an employer we foster collaboration and high performance to achieve excellence. We holistically care for and develop our employees to thrive personally and professionally. We are proud to share our success with our employees and those we serve.

Connexus offers an Amazing Benefits package:

• 20 days of paid time off and 10 paid holidays

• 16 hours of paid Volunteer Time Off

• 401K Retirement with up to 6% employer match

• Excellent Health, Dental, Vision insurance, including multiple plan options

• Health Savings Account with generous employer contributions

• Employer paid Life insurance, Short-Term and Long-Term Disability

• Tuition Reimbursement from $4,000 - $7,000 per calendar year

• Robust Learning and Development program that includes an annual professional development stipend

About the Role:

Our Charge Off Recovery Collectors are responsible for working accounts after they have reached a charged off status. From there, there are three courses of action, which could include payment plans, partnering with third parties, or pursuing legal action. These individuals are working with those accounts to see what the best plan of action is and conducting a variety of tasks to accomplish their goals while providing best-in-class service to our members, third party vendors, and our internal partners here at Connexus.

Responsibilities:

• Contact members by telephone, mail, and electronic communications in an effort to collect on written off loans and accounts.

• Process communications including but not limited to DSA agreements, disputes, and cease and desist requests.

• Perform Skip Tracing efforts to locate members and assets.

• Maintain an accurate and detailed written record of any and all communications made regarding member accounts, to include but not limited to; account status, third party action, repossession, bankruptcy, etc.

• Address any queries, concerns, or disputes raised by debtors related to outstanding debts, ensuring effective resolution, and maintaining professionalism.

• Respond to third party communication and prepare information required by collection agencies and attorneys. Including reviewing files to approve legal action.

• Prepare regular reports on collection activities and account statuses.

• Assign accounts and update account actions with third party collection agencies and attorneys. This may include filing estate claims.

Position Requirements:

• This position is Remote.

• 1+ years prior collections, legal collections, repossession and/or post charge off recovery experience is Required.

• Responsible individual who is able to work both independently and in a team environment.

• Independently negotiate viable payment plans with Members based on standardized processes and in non-standard situations.

• Ability to identify and elevate legal concerns and/or reputational risk within the collection process of each account.

• Knowledge and understanding of CFPB, FDCPA, WCA (preferred), and any other debt collection regulations.

• Knowledge and understanding of charge off, repossession, money judgments, estate and probate filings, and debt consolidation companies.

• Excellent verbal, written, listening, and interpersonal communication skills, along with the ability to remain assertive and confident when dealing with difficult situations.

• Ability to multi-task and work in a fast-paced, goal-oriented environment.

Connexus Credit Union's Employer Recognitions:

• 2026 Best Place to Work in IT, Computer World

Equal Opportunity Employer/Disabled/Veterans/41 CFR 60–1.4, 41 CFR 60-1.35