Collections Representative II

UHFCU; Honolulu (HI); Hybrid; USD 42,000 - 50,000; Full time

Benefits offered by this job

On-demand pay

Medical Insurance

Dental Insurance

401(k) Retirement Plan

Paid time off (35+ days)

Flexible Spending Accounts

Life Insurance

Long Term Disability Insurance

Employee Assistance Program

Job summary

UHFCU in Hawaii is seeking a Credit Representative II to manage delinquent loans and negative share accounts, contacting members to set up repayment plans and ensuring compliance with collection regulations.

Ideal candidates will have 2–3 years in lending/collections and strong communication skills, with a high school diploma or GED. This is a full-time, on-site role with competitive benefits and schedule flexibility.

Qualifications

• High school diploma or GED required.
• Two to three years lending and collection experience.
• Knowledge of state and federal collection regulations.
• Strong verbal and written communication skills.

Responsibilities

• Contacts delinquent members by phone or mail to establish mutually agreeable payment schedules.
• Maintain accurate and complete documentation of all actions taken.
• Follow up on payments made with insufficient funds or payroll deductions.
• Educate members on paying debts in a timely manner.
• Identify troubled members and negotiate payment options.
• Update collection reports accurately and promptly.
• Prepare and mail delinquent loan reminder notices.

Skills

Verbal and written communication

Analytical skills

Negotiation skills

Collections software

Education

High school diploma or GED

Tools

Core collections system

MS Office

Job description

Salary Range: $42,000.00 To $50,000.00 Annually

DO YOU WANT TO MAKE A DIFFERENCE?

Join a spirited, dynamic team with Hawai`i’s leading credit union as we make a difference in our community – providing financial value, exceptional service, and state‑of‑the‑art convenience to our members.

Position Title

Credit Representative II

Department

Credit

FLSA Classification

Non-Exempt

Reports to

Credit Manager

Employee Benefits

One great perk of working at UHFCU is we offer on-demand pay through our financial wellness provider. With the on-demand pay benefit, you can have the money you've already earned when you need it, so your time and money can work better for you. Get early access and get paid without waiting for your paycheck.

In addition to competitive pay, we are proud to offer a comprehensive benefits package.

• Medical Insurance which Includes Drug and Vision; Company pays 100% of Employee's Self-Coverage; PLUS, a Company Paid Subsidy Towards Family-Coverage
• Dental Insurance; Company Pays 100% of Employee's Self-Coverage and Employee Pays for Low Cost Family-Coverage
• Medical and Dental Plan Premium Waiver Option
• 401(k) Retirement Plan with Employer Match and Non-Elective Contribution (NEC)
• Eligible to Earn Thirty-Five (35+) Paid Days Off a Year
• Vacation Cash-Out Program
• Flexible Spending Accounts: Healthcare and Dependent Care (Pre-Tax Benefit)
• Company Pays for Employee Group Basic Life With AD&D Insurance
• Company Pays for Employee Long Term Disability Insurance
• Voluntary Accident Recovery, Critical Illness + Cancer, and Hospital Insurance
• Employee Assistance Program (EAP)
• Employee Loan Discount
• Company Subsidizes 50% for Adult Monthly Bus Pass
• Cash Reward Employee Referral Program
• Workiversary Cash Reward and Gifts
• Internal and External Professional Development Opportunities
• And Many More!

Position Purpose

This position works with members with delinquent loans and negative share accounts on repayment schedules and return items; stays abreast of collection laws, and minimizes loan delinquency through regular contact and follow-up.

Essential Functions

• Contacts, by phone or mail, members with delinquent accounts in order to establish a mutually agreeable payment schedule on a regular basis.
• Responsible for accurate and complete maintenance and documentation of all actions taken, both verbal and written transactions.
• Follows up on loan payments made with non-sufficient funds and insufficient payroll deductions and periodic payments.
• Educates members on how to pay their debts in a timely manner.
• Identifies potential troubled members, and negotiate payment options.
• Responsible for accurately updating collection reports in a timely manner.
• Follows established collections procedures and prepares and mails all delinquent loan reminder notices.
• Prepares and maintains appropriate documents for charged-off loans, auto repossessions, and bankruptcies.
• Researches loan payments to ensure that the member receives full and complete explanation of the status of his/her loan.
• Researches automatic payment changes that may affect the status of a loan payment.
• Responsible for maintaining accurate collection records and files.
• Assists members in completing documents for filing (CDI & CLI) insurance claims.
• Submits appropriate documents for collateral protection insurance coverage.
• Evaluates and gathers information on delinquent accounts submitted for workouts.
• Performs other duties as needed.

Performance Standards

• Provides excellent member service (internally & externally).
• Maintain & document of all member interactions during collection efforts.
• Accurate and timely follow-up on delinquent accounts.

Qualifications

Education/Certification

High school diploma or GED is required.

Required Knowledge

Basic understanding of MS Office Suite.

Basic knowledge of credit union programs.

Knowledge of state and federal collection regulations.

Experience Required

Two to three years lending and collection experience.

Skills/Abilities

Excellent verbal and written communication skills.

Able to navigate and properly utilize the core collections system.

Analytical and problem-solving skills.

Activities and Requirements of this Position

Repetitive Motion

Movements frequently and regularly required using wrists, hands, and/or fingers.

Communication Skills

Must frequently convey detailed or important instructions of ideas accurately and quickly.

Visual Abilities

Average visual acuity necessary to read, prepare and inspect documents or products.

Hearing

Able to hear average or normal conversations and receive information.

Physical Strength

Sedentary work (sitting most of the time). Able to lift and carry up to 25 lbs.

Reasoning Ability

Able to apply common sense understanding to carry-out detailed instructions and to deal with problems involving variables.

Mathematics Ability

Able to perform basic math skills including adding, subtracting, multiplying and dividing using a calculator.

Language Ability

Able to write complex sentences using normal word order with present and past tenses, as well as a command of the English vocabulary.

Working Conditions

Air-conditioned, smoke-free office setting.

Please note that scheduled attendance requirements may change due to business needs.

Business Hours

Monday through Saturday. Business hours are subject to change. Must be able to work additional hours, weekends, and holidays as needed.