Collector: Gonzales

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 hiring a Collector

The Collector is responsible for managing and collecting delinquent loan accounts while preserving the member relationship. This role involves proactive contact with members, repossession coordination, bankruptcy case handling, legal liaison duties, and maintaining accurate and compliant records. The ideal candidate balances assertiveness with empathy to achieve successful resolutions that align with the credit union’s values.

Key Responsibilities

• Delinquency Management:
  
  
  
  • Monitor and control late and delinquent loan accounts using follow-up calls, correspondence, and a tickler system.
  
  
  • Contact high-balance or overdue accounts to develop repayment or workout plans.
  
  
  • Notify co-signers and maintain communication throughout delinquency.
  
  


• Legal & Compliance Coordination:
  
  
  
  • Handle 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.
  
  


• Record Keeping & Reporting:
  
  
  
  • Maintain accurate and current documentation of all collection activities.
  
  
  • Prepare and present collection reports and statistics to management on a scheduled basis.
  
  
  • Update member files, systems, and accounting records accordingly.
  
  


• Repossession & Bankruptcy Oversight:
  
  
  
  • Secure, maintain, and prepare repossessed collateral for sale.
  
  
  • Submit and reconcile data related to repossessions, bankruptcies, and forced-placed insurance (FPI).
  
  
  • Coordinate FPI premium additions and refunds on member accounts.
  
  


• Member Engagement & Support:
  
  
  
  • Provide respectful and professional service to members facing delinquency.
  
  
  • Investigate and correct discrepancies in credit reports and loan applications.
  
  
  • Assist members with delinquent real estate loans in resolving payment issues.
  
  


• Additional Duties:
  
  
  
  • Monitor negative share draft accounts and ensure follow-up actions are completed.
  
  
  • Research payroll deductions affecting loan payments.
  
  
  • Recommend charge-offs and other escalated actions when necessary.
  
  

Required Skills & 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.

Salary

Salary will be based on experience.

Note

This job description outlines the primary duties and responsibilities of the Collector but is not an exhaustive list. Duties may evolve based on departmental needs and strategic objectives.