Hybrid Collections Specialist - Delinquency & Recovery

Cooperative Credit Union Association; Lowell (MA); Hybrid; USD 30,000 - 39,000; Full time

Job summary

Align Credit Union in Lowell, MA is seeking a delinquency collections professional for a hybrid role requiring in-person presence 1–2 days per week. The position emphasizes obtaining payment commitments from defaulted customers and resolving delinquency reasons.

Requirements include prior collection or member service experience, knowledge of mortgage guidelines, and adherence to Federal and State collection laws. A high school diploma or equivalent is required.

Qualifications

• Previous collection, support or related member service experience.
• Loss mitigation experience is preferable but not required.
• Knowledge of bank-owned, investor & insurer guidelines for mortgages.
• Knowledge and adherence to Federal and State Collection laws.
• High School Diploma or equivalent required.

Responsibilities

• Communicate with defaulted customers to obtain payment commitments.
• Identify, evaluate and resolve reasons for delinquency.
• Skip tracing accounts for possible leads to find members information to contact them.
• Record all collection efforts via the collection system.
• Recommend additional actions with Management assistance on delinquent accounts.

Skills

Collection experience

Member service

Loss mitigation

Mortgage guidelines knowledge

Federal & State collection laws

Education

High School Diploma

Job description

Align Credit Union in Lowell, MA is seeking a delinquency collections professional for a hybrid role requiring in-person presence 1–2 days per week. The position emphasizes obtaining payment commitments from defaulted customers and resolving delinquency reasons.

Requirements include prior collection or member service experience, knowledge of mortgage guidelines, and adherence to Federal and State collection laws. A high school diploma or equivalent is required.