Credit Reporting & Collections Specialist 1

Campus Usa Credit Union; Jonesville (FL); On-site; USD 41,000 - 48,000; Full time

Benefits offered by this job

Health Insurance

PTO

401(k) match

Tuition Reimbursement

Parental Leave

Wellness Reimbursement

Job summary

Campus USA Credit Union is seeking a Collections Specialist in Jonesville, FL to research and resolve consumer credit reporting disputes and support asset recovery. You will analyze account records, communicate with members, and help bring accounts current within regulatory timeframes.

Responsibilities include reviewing disputes, identifying discrepancies, and maintaining confidentiality while protecting member information. Excellent attention to detail and teamwork are essential.

Qualifications

• High School Diploma or GED.
• 0-2 years of similar or related experience.
• Experience in credit reporting, collections, banking/financial services, or a related field preferred.

Responsibilities

• Research and resolve consumer credit reporting disputes and correct information.
• Contact members about delinquent accounts and take actions to bring accounts current.
• Review disputes from agencies and consumers and respond within required timeframes.
• Analyze borrowers' financial situations and suggest arrangements when needed.
• Maintain knowledge of credit reporting and collection rules to protect confidential information.

Skills

Credit reporting

Dispute resolution

Collections

Attention to detail

Communication

Regulatory compliance

Research

Time management

Confidentiality

Negotiating

Education

High School Diploma or GED

Job description

Job Details: Job Location: Collections - Jonesville, FL 32669, Position Type: Full Time, Salary Range: $40,900.00 - $48,100.00 Salary, Job Category: Banking, The schedule for this position is

Monday - Friday: 9:00 a.m. - 5:30 p.m.

Role

Responsible for researching and resolving consumer credit reporting disputes, supporting the accuracy and integrity of credit reporting information, and preserving the Credit Union's assets through collection activities on delinquent accounts. Applies advanced experience, knowledge, and judgment to analyze account records and supporting documentation, evaluate credit reporting discrepancies, determine appropriate corrections or responses, and complete dispute activities within established requirements and timeframes. Contacts members regarding delinquent accounts and takes appropriate action to bring accounts current or support the recovery of Credit Union assets.

Essential Functions & Responsibilities

• Exemplifies the core values of CAMPUS while supporting our strategic priorities for members, employees, and community. Maintains the highest standard of professionalism, integrity, and confidentiality
• Reviews and processes consumer credit reporting disputes received from credit reporting agencies, consumers, internal departments, and other authorized sources, completing appropriate corrections, updates, deletions, verifications, and responses in accordance with established requirements and timeframes
• Researches disputed credit information and discrepancies by reviewing account records, balances, payment history, transaction activity, account status, dates, identifying information, ownership, correspondence, and supporting documentation to determine the accuracy and completeness of reported information
• Identifies credit reporting discrepancies or issues requiring additional research and escalates complex or unusual matters to appropriate management or departments
• Assists in identifying recurring credit reporting issues and potential causes, identifies opportunities for improvement, and supports updates to related procedures, workflows, training materials, and resources
• Contacts members regarding delinquent accounts and takes appropriate action to bring accounts current or support the collection and recovery of Credit Union assets, maintaining accurate records of contact attempts, member interactions, and collection or recovery activity
• Analyzes the financial situation of delinquent borrowers and makes recommendations to the immediate supervisor when other arrangements to bring the loan current are unsuccessful
• Maintains current knowledge of applicable credit reporting and collection requirements, policies, and procedures and protects confidential consumer and financial information in accordance with established requirements
• Provides friendly, professional, and accurate service and support to members and employees

Qualifications: Education

• High School Diploma or GED

Experience

• 0-2 years of similar or related experience
• Experience in credit reporting, collections, banking/financial services, or a related field preferred

Other Skills

• Attention to Detail
• Bankruptcy Laws and Regulations
• Collaboration
• Collection Management
• Communication
• Confidentiality and Discretion
• Judgment and Decision Making
• Microsoft Office ProficiencyNegotiating
• Problem Solving
• Regulatory Compliance
• Research Management
• Time Management

Full-Time Employee Benefits Package

Full-time employees are eligible for traditional benefits such as Health Insurance (medical, vision, dental), Life Insurance, Paid Time Off, Paid Holidays, Defined Benefit Pension plan, 401(k) with up to a 5% company match, and Short & Long Term Disability Insurance. CAMPUS USA also offers other benefits such as Tuition Reimbursement, Paid Parental Leave, and Employee Wellness Reimbursement. CAMPUS USA Credit Union strongly encourages health, well-being, and work-rest balance. We do everything we can to promote healthy, happy employees!

EOE/AA including Veterans and Disabled