Collections Associate

connexuscu; United States; Remote; USD 45,000 - 65,000; Full time

Benefits offered by this job

PTO 20 days + 10 holidays

Volunteer Time Off 16 hours

401K with employer match

Health, dental, vision insurance

Health Savings Account contributions

Life insurance & disability

Tuition reimbursement 4000-7000 per yr

Professional development stipend

Job summary

Connexus Credit Union is seeking a Collections Associate for a remote role across the United States. You will manage early delinquent loan accounts with empathetic service and negotiate payment arrangements to help bring accounts current.

Ideal candidates have 1+ years of related experience, strong communication skills, and proficiency with multiple systems. This role emphasizes teamwork and achieving collections goals in a fast-paced environment.

Qualifications

• Remote work experience beneficial
• 1+ years of related Collections or Customer Service experience
• Excellent verbal and written communication skills
• Ability to handle difficult situations professionally
• Strong multi-tasking and time management abilities
• Proficient in navigating multiple systems and software
• Organized, analytical, and resilient in a changing environment

Responsibilities

• Review and collect on delinquent accounts following applicable rules and procedures.
• Contact delinquent members via telephone, mail, and electronic communications.
• Handle inbound calls, including returning voicemails, promptly.
• Analyze member needs by reviewing loan data; determine delinquency rationale; negotiate payment plans.
• Monitor promises to pay and follow up on payment plans; determine next steps if broken.
• Maintain detailed written records of all communications and actions on accounts.
• Skip trace to obtain updated contact information for delinquent accounts.
• Submit required notices to members at appropriate times.
• Assist members with payments over the phone; adjust automatic payments; review deferment options.
• Adjust late fees and small balances per policy; escalate for approval.
• Provide excellent service to members through inquiries about loan questions.
• Research and respond to payment history or Financial Performance Indicator questions.
• Collaborate with team to meet department delinquency and abandonment targets.

Skills

Remote work

Experience 1+ years

Customer service

Verbal & written communication

Multi-tasking

Analytical skills

Proficient with computers

Organized & resilient

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 Collections Associates is responsible for managing early stage delinquent loan accounts while providing professional, empathetic service to members throughout the process. This role evaluates member circumstances and payment history, communicates with members through phone and written channels, negotiates payment arrangements, and follows up on commitments to help bring accounts current. If you have a hunger to learn, a desire to help others, and thrive in change, join our team for the opportunity to be your personal and professional best.

Responsibilities:

• Review and collect on assign delinquent accounts in accordance with applicable rules, regulations, policies and procedures.

• Contact delinquent members by telephone, mail, and electronic communications.

• Handle inbound calls from members, including returning voicemails, in a timely manner.

• Analyze member needs by reviewing individual loan data to gather background information, determine potential reason for delinquency and collection ability. Negotiate payment plans as necessary to bring the account to current status.

• Monitor and follow up on accounts with promises to pay and payment plan ensuring the arrangements have been kept and determine next steps for collection activity if broken.

• Maintain an accurate and detailed written record of any and all communications made regarding member accounts, to include but not limited to; delinquency, repossession, bankruptcy, charge-off, etc.

• Skip trace delinquent loan accounts for new phone number, addresses, etc.

• Submit all required notices to members at appropriate times.

• Assist members in processing payments over the phone, correcting and adjusting automatic payment. Review accounts to determine availability of deferment time and process deferment.

• Adjust late fees and small balances in accordance with policy and procedure. Forward adjustments to Collections Manager for approval and completion.

• Provide excellent service to members through verbal and written inquiries regarding general loan questions.

• Research, analyze and respond to member payment history or FPI questions.

• Work as a team to meet specific department goals for delinquency and abandonment rate.

Position Requirements:

• This position is Remote.

• 1+ years of related experience is Required.

• Experience in addressing difficult customer service situations and providing resolutions in a professional and tactful manner is Required.

• 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.

• Proficient computer skills with the ability to navigate among several system applications and software programs.

• Evidence of ability to be organized, analytical, and resilient.

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