Collections Specialist: Delinquency & Legal Liaison

Luminate; Gonzales (CA); On-site; USD 42,000 - 64,000; Full time

Job summary

Ascension Credit Union is seeking a Collector to manage delinquent loan accounts while preserving member relationships. The role includes proactive member contact, coordination of repossession, bankruptcy cases, and legal matters with senior guidance.

Accurate record-keeping and compliance are essential. Responsibilities span delinquency monitoring, repayment planning, and coordination with attorneys and trustees.

Qualifications

• High school diploma or equivalent required.
• Proven experience in collections, preferably within a financial institution or credit union.
• Strong knowledge of collection laws, procedures, and legal documentation.
• Excellent verbal and written communication skills.
• Proficient in Microsoft Office and core banking software.
• Strong organizational and problem-solving skills with attention to detail.
• Ability to work independently and in a team environment.
• Professional appearance and demeanor.

Responsibilities

• Delinquency management: monitor and control late loan accounts using follow-up calls and notices.
• Contact high-balance accounts to develop repayment or workout plans.
• Notify co-signers and maintain communication throughout delinquency.
• Coordinate legal processes related to repossession, bankruptcy, settlements, and foreclosure with direction from senior management.
• Serve as the primary liaison with external attorneys and trustees.
• File claims, attend court hearings, and ensure compliance with state/federal regulations.
• Maintain accurate documentation of all collection activities and prepare reports for management.
• Coordinate repossession and bankruptcy oversight, including data related to repossessions and FPI.
• Provide respectful and professional service to members facing delinquency and assist with credit report discrepancies.
• Monitor negative share draft accounts, payroll deductions, and recommend escalated actions when necessary.

Skills

Collections experience

Legal knowledge

Communication skills

Microsoft Office

Core banking software

Organizational skills

Teamwork

Professional appearance

Education

High school diploma or equivalent

Tools

Microsoft Office

Core banking software

Job description

Ascension Credit Union is seeking a Collector to manage delinquent loan accounts while preserving member relationships. The role includes proactive member contact, coordination of repossession, bankruptcy cases, and legal matters with senior guidance.

Accurate record-keeping and compliance are essential. Responsibilities span delinquency monitoring, repayment planning, and coordination with attorneys and trustees.