Delinquency Recovery Specialist – Mortgage & Auto

Coastal Community Federal Credit Union; Houston (TX); On-site; USD 42,000 - 66,000; Full time

Job summary

Coastal Community Federal Credit Union is seeking a Collection Specialist to manage delinquent mortgage, auto, and signature loan portfolios. You will recover balances, negotiate repayment solutions, and protect relationships while complying with FDCPA, RESPA, and internal policies.

The role requires 2+ years in collections or loan servicing, strong communication skills, proficiency with loan systems and Excel, and a high school diploma or GED.

Qualifications

• 2+ years experience in collections, loan servicing, or related recovery roles.
• Experience with mortgage, auto, and unsecured consumer loans preferred.
• High school diploma or GED required; associate degree preferred.
• Proficiency with loan servicing systems and CRM tools; strong Excel skills.

Responsibilities

• Monitor and manage delinquent mortgage, auto, and signature loan accounts.
• Initiate documented borrower outreach via phone, email, and written correspondence.
• Negotiate and document repayment arrangements and loss-mitigation options.
• Coordinate repossession referrals and work with vendors as needed.
• Maintain audit-ready records of activities and account status.
• Ensure compliance with FDCPA, RESPA, and investor guidelines.

Skills

Communication

Negotiation

Attention to Detail

Organization

Problem Solving

Emotional Intelligence

Teamwork

Compliance Mindset

Education

High school diploma or GED

Associate degree or higher in finance, business, or related discipline

Tools

Loan Servicing Systems

CRM Tools

Excel

Skip-trace & repossession platforms

Job description

Coastal Community Federal Credit Union is seeking a Collection Specialist to manage delinquent mortgage, auto, and signature loan portfolios. You will recover balances, negotiate repayment solutions, and protect relationships while complying with FDCPA, RESPA, and internal policies.

The role requires 2+ years in collections or loan servicing, strong communication skills, proficiency with loan systems and Excel, and a high school diploma or GED.