Collections Specialist I — Community-Focused Solutions

Vibe Credit Union; Waterford Charter Township (MI); On-site; USD 36,000 - 48,000; Full time

Job summary

Vibe Credit Union is hiring a Collector I to minimize delinquency and loan losses while maintaining professional member relationships. You will understand members' financial situations, craft repayment solutions, and resolve accounts responsibly.

The role emphasizes communication, problem-solving, and service to support both members and the credit union’s goals. Join a mission-driven team focused on community impact.

Qualifications

• Strong communication and interpersonal skills.
• Ability to negotiate and close on repayment plans.
• Ability to handle sensitive financial conversations with members.

Responsibilities

• Manage delinquency and reduce loan losses while maintaining member relationships.
• Ensure compliance with state/federal regulations and credit union policies.
• Communicate with members to understand financial situations and establish repayment ability.
• Develop and negotiate payment arrangements for past-due loans.
• Document all interactions and actions in the collections system.
• Maintain and organize account documentation.
• Escalate to leadership for repossession, foreclosure, or legal action as needed.
• Process collateral updates, loan modifications, and related changes.
• Submit claims for debt protection, warranties, and GAP coverage.
• Monitor negative balances and take policy-aligned actions.
• Participate in required regulatory training and compliance activities.
• Support departmental initiatives and other duties as assigned.

Skills

Excellent communication

Sales and negotiation

Rapport building

Team-oriented

Dependable

Multi-tasking

Education

High school diploma or equivalent

Job description

Vibe Credit Union is hiring a Collector I to minimize delinquency and loan losses while maintaining professional member relationships. You will understand members' financial situations, craft repayment solutions, and resolve accounts responsibly.

The role emphasizes communication, problem-solving, and service to support both members and the credit union’s goals. Join a mission-driven team focused on community impact.