Hybrid Collections & Loss Mitigation Specialist Sacramento

Golden 1; Sacramento (CA); Hybrid; USD 28,000 - 30,000; Full time

Job summary

Golden 1 Credit Union is seeking a Member Care Representative I to handle delinquent and negative accounts with empathy and accuracy. The role involves negotiating repayment, de-escalating difficult conversations, and maintaining compliance within the collections environment.

The position is hybrid in Sacramento, CA, offering an hourly pay range of $20.00 to $22.00 with standard non-exempt expectations. The ideal candidate will have prior collections experience and strong customer service skills

Qualifications

• H.S. Diploma or General Education Degree (GED) required
• Six months to one year performing general collection duties in a collection environment required

Responsibilities

• Place and receive a high volume of inbound and outbound calls in an effort to negotiate re-payment for past due and negative accounts.
• Identify, investigate, and resolve delinquent and negative account activity.
• Update member and credit union account information accurately and efficiently.
• Demonstrate an understanding of the member’s needs, concerns, and frustrations by responding with care and concern, and an appropriate sense of urgency.
• Educate members about options available to resolve their delinquency and retain and enhance member loyalty.
• Communicate and interact with other Golden 1 team members to gather information for resolution of delinquent accounts.
• Ability to de-escalate tense situations, looking from several points of view and applying good judgment and critical thinking to resolve the situation.
• Learn and retain an exceptional working knowledge of department financial assistance programs and services.
• Prepare and process documentation necessary to resolve delinquent accounts.
• Review and research Credit Union records and transactions to resolve misapplied payments and transactions to ensure payments are accurately credited.
• Evaluate payments being made on delinquent accounts to determine how the payment will be applied.

Education

High School Diploma or GED

Job description

Golden 1 Credit Union is seeking a Member Care Representative I to handle delinquent and negative accounts with empathy and accuracy. The role involves negotiating repayment, de-escalating difficult conversations, and maintaining compliance within the collections environment.

The position is hybrid in Sacramento, CA, offering an hourly pay range of $20.00 to $22.00 with standard non-exempt expectations. The ideal candidate will have prior collections experience and strong customer service skills