Collections Representative

GreyMatter IT; Lowell (MA); Hybrid; USD 30,000 - 39,000; Full time

Job summary

Align Credit Union in Lowell, MA is seeking a collections specialist to minimize losses on delinquent loans. You will communicate with defaulted customers, work toward payment commitments, and record all activities in the collections system. The role is hybrid, with 1–2 days per week in Lowell.

The base pay range is $22.00–$28.00 per hour, with compensation reflecting experience and certifications. This position offers in-person collaboration and a flexible schedule within regulatory guidelines.

Qualifications

• Clear communication with defaulted customers to obtain payment commitments.
• Ability to identify, evaluate and resolve reasons for delinquency.
• Experience with skip tracing for member contact information.
• Record all collection efforts accurately in the system.

Responsibilities

• Contact delinquent borrowers to work toward resolution in accordance with guidelines.
• Identify, evaluate, and resolve reasons for delinquency to recover payments.
• Skip trace accounts to locate contact information for members.
• Document all collection actions in the collections system.

Skills

Communication

Skip tracing

Record keeping

Delinquency resolution

Tools

Collections system

Job description

This position would include, but not be limited to, working to minimize potential losses on delinquent loans by
contacting credit union borrowers to work toward resolution of the delinquency in accordance with departmental
and legal guidelines.

Essential Functions & Responsibilities:

Communication with defaulted customers to obtain payment commitments

Identify, evaluate and resolve reasons for delinquency.

Skip tracing accounts for possible leads to find members information to contact them.

Record all collection efforts via the collection system.

Recommend additional actions with Management assistance on delinquent accounts.

This is a hybrid position and requires a minimum of one to two days per week in person in Lowell, MA.

At Align Credit Union, we believe in pay transparency and are committed to providing our employees and candidates with access to information about our compensation practices. The expected base pay rate offered for this role is $22.00 - $28.00 per hour. Compensation may vary based on relevant experience, skills, competencies, and certifications.