Collections Representative II

Kids for the Future; Austin (TX); Hybrid; USD 42,000 - 60,000; Full time

Benefits offered by this job

Hybrid work flexibility

Job summary

Greater Texas | Aggieland Credit Union is seeking a Collections Representative II to manage delinquent accounts, negotiate repayment plans, and coordinate with vendors. The role emphasizes loss mitigation, asset recovery, and member-focused service in a hybrid workplace.

The position requires 2+ years in collections, strong communication skills, and a high school diploma. Training period precedes a 4 days on-site / 1 day remote schedule, with growth opportunities within the credit union.

Qualifications

• 2+ years of collections experience.
• Strong verbal and written communication skills.
• Ability to navigate challenging member situations with professionalism.

Responsibilities

• Manage early- and late-stage delinquent loan, credit card, and share accounts.
• Negotiate repayment arrangements and recommend recovery solutions.
• Handle complex accounts including bankruptcies, repossessions, skip tracing, and legal referrals.
• Process insurance and skip claims while maintaining documentation.
• Mentor junior Collections Representatives and share best practices.
• Analyze collection trends and prepare operational reports.
• Partner with internal departments and third-party vendors to improve collection strategies.
• Ensure compliance with credit union policies and regulatory requirements.

Skills

Collections experience

Negotiation skills

Verbal communication

Written communication

Attention to detail

Education

High school diploma or equivalent

Job description

• Location 12544 Riata Vista Circle,Austin, TX, 78727,United States
• Job Category Finance
• Employee Type Non-Exempt
• Manage Others No

Description

We have been serving Texans for over 70 years, and our mission is bigger than banking. At Greater Texas | Aggieland Credit Union, we believe in building connections that last - with our members, our community, and our team.

Here, you’ll find more than a job. You’ll find a place where:

Relationships matter.

We get to know our members and walk with them through life's milestones.

Community comes first.

Giving back and making a difference is part of our DNA.

Every role has purpose.

Your work makes an impact far beyond the day-to-day.

If you have a passion for people and want to be part of something meaningful, you’ll feel right at home with us.

What's in it for you?!

• Growth & Development:
  • Ongoing training and coaching to expand your skill set and career potential.
  • Exposure to cross-functional projects and strategic initiatives that shape the future of our organization.
  • Opportunities for leadership development and internal career advancement.
• Dynamic & Impactful Work Environment:
  • A collaborative workplace where your ideas and expertise help drive innovation and efficiency.
  • Be part of a growing organization that values continuous improvement and fresh perspectives.
  • Engage in meaningful work that directly supports our mission and enhances the member experience.
• Full Benefits Package -Enjoy competitive benefits that include:
  • Choices of Medical, Dental, Vision, Life and AD&D Insurance.
  • Optional Critical Illness, Accident, and Hospital Indemnity Benefits.
  • 16 hours of paid volunteer timeannually to give back to your community.
  • Monthly accruals of vacation and sick time, plus several paid holidays.
  • 401k plan with up to 7% employer matchto help you secure your future.?
  • Tuition reimbursementfor continued education and personal growth.
  • Access to our HQ fitness center and studio.
• Supportive & Engaging Workplace Culture:
  • A team-oriented environment where collaboration and innovation thrive.
  • Recognition programs that celebrate achievements and contributions.
  • Regular team-building activities, fun office events, and frequent potlucks.

The Basics of a Collections Representative II:

• Full-Time, Non-Exempt
• Schedule: Monday - Friday from 8:00 am to 5:00 pm
• Hybrid Position - After the initial training period, a hybrid work model will become an option. You will be requested to work 4 days on-site and 1 day remote. Allowing for a blend of remote and onsite work based on performance and departmental needs.

About the Role

Do you enjoy solving problems while helping people get back on track financially? Are you comfortable navigating challenging conversations while finding solutions that support both the member and the credit union?

As our Collections Representative II, you'll manage both early- and late-stage delinquent accounts with a focus on loss mitigation and asset recovery. You'll work directly with members to negotiate repayment solutions, perform skip tracing, assist with repossessions and impounds, and coordinate with third-party vendors.

This position is a great opportunity for an experienced collections professional who is ready to build upon their foundational collections knowledge and develop specialized expertise in collateral and repossession processes.

What We’re Looking For

We're looking for an experienced collections professional who combines strong negotiation skills with empathy and professionalism. You'll be someone who can confidently navigate challenging situations, think critically, and build positive relationships while balancing member service with sound financial stewardship.

If you're a collaborative team player who enjoys mentoring others, identifying process improvements, and making an impact, we'd love to hear from you.

What's In It For You

• Hybrid work flexibility after training
• Opportunity to mentor and support team development
• Career growth within a stable financial institution
• Collaborative and supportive team environmentMeaningful work helping members achieve financial success
• Competitive pay and comprehensive benefits

Key Responsibilities

• Manage early- and late-stage delinquent loan, credit card, and share accounts
• Negotiate repayment arrangements and recommend appropriate recovery solutions
• Handle complex accounts involving bankruptcies, repossessions, skip tracing, and legal referrals
• Process insurance and skip claims while maintaining accurate documentation
• Serve as a subject matter expert and mentor junior Collections Representatives
• Analyze collection trends and prepare operational reports
• Partner with internal departments and third-party vendors to improve collection strategies
• Ensure compliance with all applicable credit union policies and regulatory requirements

Other Duties

• Support ongoing process improvements to increase efficiency
• Complete required compliance and professional development trainingMaintain compliance with BSA/AML and Fair Debt Collection Practices requirements
• Perform additional duties to support the Collections team as business needs evolve

Requirements

Must Haves as a Collections Representative II

• 2+ years of collections experience
• Strong verbal and written communication skills
• Excellent attention to detail and problem-solving abilities
• Ability to communicate professionally and effectively when handling challenging member situations
• High school diploma or equivalent

Nice to Haves as a Collections Representative II

• Consumer collections experience, particularly auto loans
• Experience with repossessions, collateral, or asset recovery
• Experience with skip tracing and late-stage delinquency
• Experience working with third-party repossession or impound vendors
• Familiarity with Fair Debt Collection Practices and financial institution compliance requirements

Summary

Due to the high volume of applications, we are unable to accept calls or status inquiries. All candidates will be notified of their status as applications are reviewed for further consideration. We truly appreciate the time you took to apply and are excited that you are considering a career with us.