Collection Agent / Customer Service

SIU Credit Union; Carbondale (IL); On-site; USD 52,000 - 76,000; Full time

Benefits offered by this job

Competitive Salary

Comprehensive Benefits

Growth Opportunities

Paid time off

Paid holidays

401(k) profit share

Job summary

SIU Credit Union in Southern Illinois seeks a Credit Resolution Specialist to handle delinquent accounts and negotiate payment arrangements. You will document activities and support the credit union’s financial goals.

The role requires strong communication, knowledge of collection procedures and laws, and proficiency with Excel and Windows programs. This is a full-time position anchored in a community-focused financial institution.

Qualifications

• Education background consistent with role requirements.
• Knowledge of collection procedures and applicable laws.
• Strong written and spoken communication skills.
• Proficiency with Microsoft Excel, Word and Windows apps.
• Background in a financial institution is preferred.

Responsibilities

• Manage delinquent accounts and identify root causes of delinquency.
• Negotiate payment arrangements balancing member and credit union interests.
• Maintain accurate activity reports on late loans and document actions.
• Assist with repossessions, collection agencies, and legal actions.
• Perform skip tracing and ensure compliance with regulations.

Skills

Education

Legal knowledge

Communication skills

Tech proficiency

Finance experience

Education

High School Diploma

Tools

Excel

Word

Windows

Job description

Are you a skilled negotiator with a passion for helping others find financial solutions? SIU Credit Union, a strong and growing financial institution in Southern Illinois, is looking for a dedicated Credit Resolution Specialist to join our team full-time.

At SIU Credit Union, we pride ourselves on providing a high level of service to both our internal team and our external members. If you are looking for a stable career with a competitive salary and a robust benefits program, we want to hear from you.

Primary Function

As a Credit Resolution Specialist, you will manage activities associated with delinquent accounts. You will be responsible for identifying the root causes of delinquency and utilizing various communication methods to work with members to resolve outstanding balances.

Key Responsibilities

• Member Advocacy & Negotiation: Establish early contact with members to create payment arrangements. Use your human relations skills to negotiate resolutions that balance the best interests of the credit union with the member's unique circumstances.
• Account Management: Maintain accurate, up-to-date activity reports on late and delinquent loans. Document all collection activities thoroughly.
• Legal & Administrative Support: Assist in preparing documents for repossessions, collection agencies, and legal actions (including bankruptcy claims).
• Skip Tracing: Perform investigative tasks to locate members and collateral when necessary.
• Compliance: Ensure all activities remain in strict compliance with security procedures and federal/state regulations while maintaining member confidentiality.

Position Requirements

• Education: High School Diploma or equivalent.
• Legal: Must be bondable.
• Knowledge: Strong understanding of collection procedures and current federal/state laws and regulations.
• Communication: Exceptional oral and written communication skills for interacting with members, staff, and management.
• Tech Savvy: Proficiency in Microsoft Excel, Word, and Windows-based programs.
• Experience (Preferred): Background in a financial institution and knowledge regarding bankruptcies and small claims court.

Why SIU Credit Union?

• Competitive Salary: We value your expertise and offer pay that reflects your skills.
• Comprehensive Benefits: A full program designed to support your health and future.
• Growth: Join a thriving organization that is deeply rooted in the Southern Illinois community.
• Perks: We offer paid time off, paid holidays, and a 401(k) profit share option.

EEO