Collections Representative III

Greater Texas Credit Union; Austin (TX); Hybrid; USD 42,000 - 60,000; Full time

Benefits offered by this job

Medical, Dental, Vision

Life and AD&D Insurance

401k with employer match

Paid holidays

Volunteer time

Job summary

Greater Texas Credit Union in Austin, TX is seeking a Collections Representative III to manage delinquent accounts, negotiate repayment solutions, and mentor teammates. You will support repossessions and bankruptcy processes, and collaborate with internal departments to improve recovery strategies.

You will balance member service with strong financial stewardship in a fast-paced environment, with hybrid work after training and opportunities for career growth within a stable financial

Qualifications

• Minimum 3+ years of consumer collections experience.
• Strong negotiation and customer service skills.
• Excellent communication and problem-solving abilities.

Responsibilities

• Manage early- and late-stage delinquent loan, credit card, and share accounts.
• Negotiate repayment arrangements and recommend 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.

Skills

Negotiation

Customer service

Communication

Mentoring

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’ve 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 III:

• 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 complex problems while helping people get back on track financially? Are you someone who thrives in a fast-paced environment where every conversation makes a difference?

As our Collections Representative III, you'll play a key role in protecting the credit union while delivering compassionate, solution-focused service to our members. You'll manage complex delinquent accounts, negotiate repayment solutions, support repossessions and bankruptcy processes, mentor teammates, and serve as a trusted resource for the Collections team.

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 environment
• Meaningful 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 training
• Maintain 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 III

• 3+ years of consumer collections experience
• Experience handling repossessions, bankruptcies, and advanced loss mitigation
• Strong communication, negotiation, and customer service skills
• Excellent problem-solving and attention to detail
• Ability to mentor teammates and collaborate across departments
• High school diploma or equivalent

Nice to Haves as a Collections Representative III

• Experience working in a credit union or financial institution
• Knowledge of Fair Debt Collection Practices (FDCPA), BSA/AML, and consumer lending regulations
• Experience preparing collection reports and identifying process improvements