Collections Officer

Gulf Winds; Pensacola (FL); On-site; USD 28,000 - 35,000; Full time

Benefits offered by this job

11.5 paid federal holidays

PTO starting at 18 days for new hires

16 hours of paid volunteer time

competitively priced medical insurance

dental and vision coverage with 100%..

employer-paid life insurance

short-term disability coverage

a 401(k) with company match

an employer-funded pension plan

flexible spending accounts

tuition reimbursement

wellness programs

Job summary

Gulf Winds is seeking a Collections Officer in Pensacola, FL to manage delinquent loan accounts and drive recovery efforts. You will contact members via phone, mail, text, and email, educate them on options, and coordinate with the Repo Specialist when needed.

The role emphasizes building rapport, applying repayment strategies, and maintaining compliant, accurate records while contributing to department targets and overall member service excellence.

Qualifications

• Experience in collections or debt recovery preferred.
• Excellent verbal and written communication.
• Ability to handle confidential information with discretion.

Responsibilities

• Contact delinquent accounts by phone, mail, or email to secure payments and set up repayment plans.
• Document interactions and update account information in the system.
• Collaborate with management to identify trends affecting delinquency rates.
• Monitor accounts and report on progress toward recovery goals.
• Ensure compliance with FDCPA and internal policies.

Skills

Customer service

Communication

Conflict resolution

Education

High school diploma or GED

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Collections Officer

Collections Full Time Pensacola, FL, US

Salary Range: $20.50 To $25.50 Annually

About Gulf Winds

Service Beyond Banking - At Gulf Winds, we are forward-thinking and team-oriented. We recognize and reward service that exceeds our members’ expectations and, most importantly, have fun while working hard and impacting our community. We’re looking for driven professionals who are passionate about service, fueled by purpose, and guided by core values of Integrity, Care, Growth, and Innovation

Our Values

Integrity

We own our decisions and actions by doing the right thing, learning from our mistakes, and taking responsibility.

Care

We help members meet their goals by listening to understand and offering the best solutions, placing kindness above all else.

Growth

We set ambitious goals, provide personal development opportunities, and encourage results.

We challenge the status quo to enhance the member’s experience and solve tomorrow’s challenges today.

We Invest in Our People

We offer a comprehensive benefits package designed to support your health, financial well-being, and work-life balance.

• 11.5 paid federal holidays
• PTO starting at 18 days for new hires
• 16 hours of paid volunteer time
• competitively priced medical insurance
• dental and vision coverage with 100% of individual premiums paid by Gulf Winds
• employer-paid life insurance
• short-term disability coverage
• a 401(k) with company match
• an employer-funded pension plan
• flexible spending accounts
• tuition reimbursement
• wellness programs

Working at Gulf Winds

Working at Gulf Winds is not just a job, it’s a career. We’re hiring collaborative, motivated people who want to love what they do. We are forward-thinking and team oriented. We recognize and reward excellent member service and have fun while working hard. When you join the team, you can expect:

• Open and transparent communication with your leaders
• Consistent coaching and opportunities to improve performance.
• Collaborative and team-focused environments
• Short and long-term professional development
• Opportunity to participate in cross-functional projects.

With you on our team we can achieve our vision of becoming the leading and most trusted credit union on the Gulf Coast.

Role:

To preserve the Credit Union's assets by controlling delinquent loan accounts, collecting delinquent loan payments, and/or recovering collateral.

Essential Functions & Responsibilities:

Contacts delinquent accounts by phone, mail, text, and email; builds rapport with members; educates members on options available to resolve delinquency long term; takes appropriate action to bring current; Appropriate actions include but are not limited to analyzing the financial situation of delinquent borrowers, updating contact/employment information, offering various payment options, and coordinating with the Repo Specialist when necessary.

Performs loan recasts; researches accounts and provides overrides; verifies and processes deposits made to delinquent accounts.

Informs management of trends in loan underwriting contributing to delinquent/charged-off loans.

Performs other job-related duties as assigned.

Performance Measurements:

Collection efforts meet the goals of the department.

Optimal and timely recovery of credit union assets from delinquent and charged-off accounts.

Accurate and complete records of all collection and recovery activity.

Adherence to provisions outlined in the Fair Debt Collection Practices Act (FDCPA) and ensuring collection activity is always within Credit Union policy and all relevant regulations.

Identification and reporting to management of potential underwriting problems.

Provision of informed, professional, and accurate service and support to all members and employees.

Complies with all applicable rules, regulations, and policies, including but not limited to BSA, OFAC, and Physical Security.

Knowledge and Skills:

Experience: One to three years of similar or related experience.

Education: A high school education or GED.

Interpersonal Skills: Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

Other Skills: Ability to read, write, comprehend, and speak English clearly.

Normally expected to work between 8:00 a.m. and 5:00 p.m. but may be required to work nights and/or weekends.

Must adhere to safety rules and regulations

This Job Description is not a complete statement of all duties and responsibilities comprising the position.

Gulf Winds is an Equal Opportunity Employer. Drug Free Workplace.