Collector I

HawaiiUSA FCU; Pearl City (HI); Hybrid; USD 31,000 - 33,000; Full time

Benefits offered by this job

Medical, dental, vision insurance

Paid time off

Retirement plan

Job summary

HawaiiUSA Federal Credit Union in Pearl City, HI, is seeking a Collector I to manage delinquent loans and educate members on maintaining good credit. You will handle high-volume calls and negotiate payments while ensuring compliance with laws and credit union policies.

Ideal candidates have prior collections or financial service experience and strong communication skills. The role is full-time at the Pearl City branch with comprehensive benefits and growth opportunities.

Qualifications

• More than one year of experience in a consumer collection environment, consumer lending, customer service or financial services.
• Knowledge of applicable collections regulations and practice.
• Strong communication and negotiation skills.

Responsibilities

• Maintain understanding of applicable laws, regulations, and credit union policies related to collections.
• Review files for related loans to maximize collections.
• Handle a high volume of inbound/outbound collection calls and emails.
• Perform basic financial counseling for members.
• Identify solutions to remedy delinquent accounts (setoffs, deferments, modifications).
• Conduct skip tracing as needed.
• Discuss and negotiate payments for delinquent loans and credit cards.
• Research accounts and resolve problems with minimal supervision.

Skills

Consumer collections

Customer service

Financial services

Education

High School diploma

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Collector I

Credit Services Full Time Clerical Pearl City Branch, Pearl City, HI, US

Salary Range: $22.17 To $24.05 Hourly

Responsible for collection efforts on past due loans, lines of credit and credit cards, and for educating members in the value of maintaining a good credit history. Communicate and interact with members for the prompt resolution of delinquent accounts.

Key Responsibilities

• Maintain a thorough understanding of state and federal laws/ regulations, Bankruptcy laws and procedures, Credit Union policies, Fair Debt Collection Practices, and other applicable rules and regulations related to collections/ recovery.
• Review files for related loans for a total collection effort.
• Handle a high volume of inbound/ outbound collection calls and emails (internal/ external).
• Perform basic financial counseling to members.
• Utilize resources and identify solutions to remedy delinquent accounts. (i.e. setoffs, deferments, loan modifications, etc.)
• Perform skip tracing efforts.
• Tactfully discuss and negotiate payments for delinquent loans and/ or credit cards with members.
• Research accounts and resolve difficult problems with minimal supervision.
• Participate in a team effort to effectively control delinquencies.
• Learn the settlement process.
• Learn the basic repossession process.
• Perform other duties as assigned.

Qualifications & Experience

• More than one year of experience in a consumer collection environment, consumer lending, customer service and/or within a financial service organization.
• Knowledge of federal and state regulations related to Collections, Repossessions, Bankruptcy, Recoveries, and settlement.
• High School diploma or equivalent.

Minimum Physical Requirements and Working Conditions

• Sitting for prolonged periods at a desk working on a computer.
• Talking on the phone, computer, and person to person or in meetings frequently.
• Moving around the office on occasion.
• Lifting, pulling, pushing, and carrying up to 30 pounds on occasion.
• We'll make reasonable accommodations for qualified applicants and employees with disabilities.

Benefits And Pay

The expected pay range for Collector I is $22.17 to $24.05 per hour.

This pay reflects the compensation we expect to offer for this role based on typical qualifications and market data. The pay offered may vary depending on the candidate’s experience, skills, and other relevant factors.

We cover 100% of employees single medical, drug, vision, and dental monthly health insurance premiums. Employees also love receiving paid volunteer time, our pay it forward program, and matching their charitable donations up to $250 per year per employee. Tuition assistance for higher education is another special way we invest in our workforce. Benefits include, Paid Time Off and 11 Paid Holidays, 401(k) and 3% Employer Contribution, Health insurance, Paid time off, Vision insurance, Dental insurance, Prescription drug insurance, Tuition reimbursement, Life insurance, Flexible spending account, Disability insurance, Health savings account, Opportunities for advancement, Employee assistance program, Referral program, Retirement plan, Employee discount, Paid training, Professional development assistance, AD&D insurance, Volunteer time off, Credit union membership, Paid orientation, and more.

About Company:

HawaiiUSA Federal Credit Union is a local, not-for-profit, federally insured financial cooperative, owned and operated by our members since 1936. We are dedicated to helping members achieve their financial goals and our employees reach their career aspirations. We are committed to our community by extending ourselves through our time, efforts and resources. Our motto, Life Matters, means celebrating life’s experiences and creating fulfilling work opportunities, not just jobs.