Collector

Jeanne D'Arc Credit Union; Lowell (MA); On-site; USD 42,000 - 54,000; Full time

Benefits offered by this job

Medical coverage

Dental coverage

Vision coverage

401(k) with match

Paid time off

Birthday paid day off

Tuition assistance

Career development

EAP

Volunteer time

Casual dress

Job summary

Jeanne D’Arc Credit Union is seeking a Collector to pursue past-due and charged-off accounts under the supervision of the Collections Supervisor. You’ll contact members, negotiate payment arrangements, and document progress while maintaining confidentiality and professionalism.

The role requires at least 1 year of collections or banking experience, a high school diploma, strong communication skills, and proficiency with Microsoft Office and core banking systems.

Qualifications

• One year of related experience in collections or banking.
• High school diploma or equivalent.
• Strong communication and interpersonal skills; ability to negotiate.
• Proficiency with Microsoft Office and core banking software.
• Spanish speaking is preferred.

Responsibilities

• Contacts delinquent members by phone and mail to collect amounts owed.
• Negotiates payment in full, payment plans, or settlements.
• Maximizes recovery of credit union assets from delinquent/charged-off loans.
• Sets up and maintains accurate files and reports on collections activity.
• Stays current on collection processes and lending trends.
• Monitors payment plans and enforces agreed terms.
• Analyzes borrowers’ financial situations to determine further action.
• Performs other duties as assigned.

Skills

Collections experience

Banking experience

Spanish speaking

Interpersonal skills

Microsoft Office

Education

High school diploma or equivalent

Tools

Microsoft Office

Core banking system

Job description

Join Our Team and Make an Impact! At Jeanne D’Arc Credit Union, we don’t just offer jobs—we build careers. With

Join Our Team and Make an Impact! At Jeanne D’Arc Credit Union, we don’t just offer jobs—we build careers. With competitive pay, outstanding benefits, a supportive team environment, and endless growth opportunities, you’ll have everything you need to thrive. We take pride in our team, who go above and beyond to deliver exceptional service and offer smart financial solutions to our members. If you’re looking for a rewarding role where you can make a difference in helping people and giving back to the community, we’d love to have you on board!

Now Hiring: Collector

As a Collector you’ll work under the leadership of the Collections Supervisor and be responsible for the collection of past due and charged-off accounts. Collection efforts include, but are not limited to, pursuing delinquent accounts through regular phone contact and mail, as well as any other means necessary and appropriate to collect monies owed.

Essential Functions & Responsibilities

• Contacts delinquent members by phone and mail, as well as any other means necessary and appropriate to collect monies owed. Advises and counsels on necessary actions and strategies for debt repayment. Takes appropriate action to bring the account current, including creating an individualized payment plan.
• Negotiates payment in full, payment plans, or settlement on the account.
• Maximizes the collection and/or recovery of Credit Union assets from delinquent or charged-off loans.
• Sets up and maintains accurate files and reports on all collections activity.
• Stays current on collection process knowledge and trends in loan underwriting that contribute to delinquent/charged-off loans.
• Monitors payment plans.
• Makes recommendations on ways to improve work processes.
• Analyzes the financial situation of delinquent borrowers and recommends recovery effort including the repossession of collateral when arrangements to bring the loan current are unsuccessful
• Performs other job-related duties as assigned.

Knowledge And Skills

Experience: One year of related experience in collections or banking is required.

Education: High school diploma or equivalent required or an equivalent combination of education and experience.

Interpersonal Skills: Position requires a significant amount of personal contact with others inside and outside the Credit Union, thus requiring a high degree of confidentiality, discretion, diplomacy, and tact in communication. Builds relationships and fosters positive interactions with Credit Union team members, members, and vendors by demonstrating friendly, helpful, and efficient service. Excellent written and verbal communication skills are required, including communicating clearly and concisely, managing difficult conversations, and diffusing upset members skillfully. Patience, active listening, and sound judgment are required. Ability to effectively negotiate and influence the actions of others. Must have the ability to understand and communicate products, services, and regulations.

Other Skills: Proficiency with Microsoft Office, business applications, and learning the core system and other related software are required. Must have the ability to apply cognitive reasoning to daily tasks, take ownership, and work independently and as part of a collaborative team. Ability to read and comprehend complex instructions, correspondence, and memos is required. Must be highly motivated, detail-oriented, organized, and skillful with time management. Efficient with multitasking, problem-solving, and practical application.

Spanish speaking is preferred.

Your contributions will help our members achieve their financial goals while advancing your career in a dynamic and supportive environment.

Total Rewards

At Jeanne D’Arc Credit Union, our team members’ well-being is essential to our success. In line with our belief that embedding social purpose in everything we do, creating a positive impact for our members, their families, and our communities, we’ve built a comprehensive benefits package for our Full Time employees and their families.

• Competitive Medical, Dental, and Vision Coverage
• Health Reimbursement Account (HRA) and Flexible Spending Accounts (FSA)
• 401(k) with Compnay Match and Profit Sharing
• Company Paid Life and Disability Insurance
• Generous Paid Time Off, Sick Time, and 11 Paid Holidays
• Birthday Paid Day Off
• Tuition Assistance and Student Loan Repayment
• Career Development Opportunities
• Enhanced Employee Assistance Program (EAP)
• Paid Volunteer Time
• Pet Insurance and Additional Voluntary Benefits
• Casual Dress Environment

Jeanne D’Arc Credit Union is an Equal Opportunity Employer. We are committed to fostering an inclusive workplace where every employee and applicant is treated with dignity, respect, and fairness. All qualified candidates will receive consideration for employment without regard to race, color, age, religion, sex, sexual orientation, gender identity or expression, national origin, protected veteran status, genetics, disability or any other characteristic protected by law.

If you require a reasonable accommodation to complete the application process or participate in an interview, please contact Human Resources at [phone] ext. 7903. Reasonable accommodations will be provided in accordance with applicable law.