Collections Representative, Align Credit Union, Lowell, MA

Cooperative Credit Union Association; Lowell (MA); Hybrid; USD 30,000 - 39,000; Full time

Job summary

Align Credit Union in Lowell, MA is seeking a delinquency collections professional for a hybrid role requiring in-person presence 1–2 days per week. The position emphasizes obtaining payment commitments from defaulted customers and resolving delinquency reasons.

Requirements include prior collection or member service experience, knowledge of mortgage guidelines, and adherence to Federal and State collection laws. A high school diploma or equivalent is required.

Qualifications

• Previous collection, support or related member service experience.
• Loss mitigation experience is preferable but not required.
• Knowledge of bank-owned, investor & insurer guidelines for mortgages.
• Knowledge and adherence to Federal and State Collection laws.
• High School Diploma or equivalent required.

Responsibilities

• Communicate 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.

Skills

Collection experience

Member service

Loss mitigation

Mortgage guidelines knowledge

Federal & State collection laws

Education

High School Diploma

Job description

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. Monday-Friday 8:00AM-4:30PM.
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 based on relevant experience, skills, competencies, and certifications.

Requirements/Skills Needed

• Previous collection, support or related member service experience.
• Loss mitigation experience is preferable but not required.
• Knowledge of bank-owned, investor & insurer guidelines for mortgages.
• Knowledge and adherence to Federal and State Collection laws.
• High School Diploma or equivalent required.