Collections Representative III

Greater Texas Credit Union; Austin (TX); Hybrid; USD 48,000 - 70,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

Life Insurance

AD&D Insurance

401(k) Match

Paid Holidays

Paid Time Off

Volunteer Time

Fitness Center

Job summary

Greater Texas Credit Union in Austin, TX is seeking a Collections Representative III to manage delinquent accounts with empathy and professionalism. You will negotiate repayment plans, support repossession and bankruptcy processes, and analyze collection trends while mentoring junior team members.

You will collaborate with internal departments to strengthen recovery strategies and maintain strict adherence to FDCPA and BSA/AML requirements, ensuring accurate documentation and compliant processes.

Qualifications

• Three or more years of consumer collections experience.
• Experience handling repossessions, bankruptcies, and advanced loss-mitigation activities.
• Strong communication, negotiation, and member-service skills.
• Excellent critical-thinking, problem-solving, and organizational abilities.
• Strong attention to detail and documentation.
• Ability to mentor teammates and collaborate across departments.
• High school diploma or equivalent.

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, insurance claims, and legal referrals.
• Maintain accurate and timely account documentation.
• Serve as a subject matter expert and mentor junior Collections Representatives.
• Analyze collection trends and prepare operational reports.

Skills

Communication

Negotiation

Member-service

Critical-thinking

Problem-solving

Documentation

Mentoring

Education

High school diploma or equivalent

Job description

Schedule: Full-time, non-exempt | Monday-Friday, 8:00 a.m.-5:00 p.m.

Work Arrangement: Hybrid eligible after training, with four days onsite and one day remote, based on performance and departmental needs.

Make an Impact That Goes Beyond Banking

Location: Austin, Texas

Schedule: Full-time, non-exempt | Monday-Friday, 8:00 a.m.-5:00 p.m.

Work Arrangement: Hybrid eligible after training, with four days onsite and one day remote, based on performance and departmental needs.

Make an Impact That Goes Beyond Banking

For more than 70 years, Greater Texas | Aggieland Credit Union has served Texans with a mission that is bigger than banking. We build lasting connections with our members, our communities, and one another.

Here, relationships matter, community comes first, and every role has a purpose. If you are passionate about helping people and want to be part of an organization where your work makes a meaningful difference, you will feel right at home with us.

About the Role

Do you enjoy solving complex problems while helping people regain their financial footing? Are you comfortable navigating difficult conversations with empathy, professionalism, and confidence?

As a Collections Representative III, you will manage complex delinquent accounts while protecting the financial interests of the credit union and delivering compassionate, solution-focused service to our members.

You will negotiate repayment solutions, support repossession and bankruptcy processes, analyze collection trends, and serve as a trusted resource and mentor for other members of the Collections team.

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, insurance claims, and legal referrals.
• Maintain accurate and timely account 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 strengthen collection strategies.
• Identify and support process improvements that increase efficiency and effectiveness.
• Maintain compliance with credit union policies and applicable regulatory requirements, including FDCPA and BSA/AML.
• Complete required compliance and professional development training.
• Perform additional duties as business needs evolve.
  

What We’re Looking For

We are seeking an experienced collections professional who combines strong negotiation and problem-solving skills with empathy, sound judgment, and professionalism.

Required qualifications

• Three or more years of consumer collections experience.
• Experience handling repossessions, bankruptcies, and advanced loss-mitigation activities.
• Strong communication, negotiation, and member-service skills.
• Excellent critical-thinking, problem-solving, and organizational abilities.
• Strong attention to detail and documentation.
• Ability to mentor teammates and collaborate across departments.
• High school diploma or equivalent.

Preferred qualifications

• Bilingual in English and Spanish.
• Experience working for a credit union or financial institution.
• Knowledge of FDCPA, BSA/AML, consumer lending regulations, and collection practices.
• Experience preparing collection reports and recommending process improvements.
  

What’s in It for You

Growth and development

• Ongoing training and coaching to expand your skills and career potential.
• Opportunities to participate in cross-functional projects and strategic initiatives.
• Leadership development and internal career-advancement opportunities.
• Tuition reimbursement for continued education and professional growth.

Meaningful and collaborative work

• A supportive environment where your ideas and expertise are valued.
• The opportunity to mentor teammates and contribute to team development.
• Meaningful work that helps members move toward financial success.
• A growing organization that values innovation, continuous improvement, and fresh perspectives.

Comprehensive benefits

• Medical, dental, vision, life, and AD&D insurance.
• Optional critical illness, accident, and hospital indemnity coverage.
• Vacation and sick-time accruals, plus paid holidays.
• 16 hours of paid volunteer time annually.
• 401(k) plan with an employer match of up to 7%.
• Access to our headquarters fitness center and studio.
• Competitive compensation and a comprehensive benefits package.

Engaging workplace culture

• Recognition programs that celebrate employee achievements and contributions.
• Team-building activities and employee events.
• A collaborative, people-focused culture where relationships and community matter.