Loan Adjuster II

SchoolsFirst Federal Credit Union; Aliso Viejo (CA); On-site; USD 45,760 - 66,352; Full time

Job summary

SchoolsFirst Federal Credit Union is hiring a Loan Adjuster II to work on delinquent loan accounts 100% on-site in California. The role offers a pay range of $22.00–$31.90 per hour and a 40-hour work week.

You will collect on loans at all delinquency stages, communicate with members, and negotiate payment arrangements to resolve past-due balances. Responsibilities include documenting conversations, applying appropriate workout options, and maintaining compliance with federal and state

Qualifications

• High School Diploma or GED required.
• 3–5 years of related experience required.
• Previous financial institution or credit union experience preferred.

Responsibilities

• Collects on loans at all delinquency stages and negotiates payment arrangements.
• Communicates with Members to identify causes of non-payment and offers personalized options.
• Documents conversations and collections activity in systems.
• May fund workout loans or prepare related reports.
• Strictly adhere to federal/state regulations and credit union policies.

Skills

FDCPA knowledge

Active listening

Negotiation skills

Conflict resolution

Typing proficiency

Phone system experience

Education

High School Diploma or GED

Tools

Phone system

Job description

Loan Adjuster II

Pay Range: $22.00 - $31.90

Scheduled Weekly Hours: 40

What You’ll Be Doing

• Collects on loans of all stages of delinquency where timely payments are not being received.
• Communicates with Members using advanced skills to identify the true cause of non‑payment and provides personalized options to each Member.
• Works on all delinquency stages through inbound/outbound calling, letters, and other approved methods, collects past‑due payments and/or negotiates payment arrangements or repayment plans to resolve delinquent loans or negative shares by identifying reason for delinquency and offering appropriate options to Members.
• Documents all conversations and collections activity in collection systems.
• May be responsible for funding of workout loans or working collections reports, such as the available money letter report.
• Maintains adherence to all federal and state regulations and credit union policies.
• Performs file maintenance of delinquent accounts to reflect agreed upon collection activities.
• Processes adjustments to Member loans as needed, including but not limited to due date changes, opening/closing lines of credit, closing negative accounts, and payment plan maintenance.
• Recommends Members with delinquent accounts for workout loans, deferments, reages, reduced payments, repossession and charge‑off.
• Refs complex situations to the appropriate resources to ensure timely resolution.
• May provide suggestions for streamlining departmental and credit union operations.
• When assigned helps to complete projects and reports related to the department.
• May perform advanced research and analysis on accounts, may skip trace and perform asset searches.
• Performs other duties as assigned.
• Complies with regulatory compliance and assigned training requirements including but not limited to BSA regulations corresponding to their specific job duties. Failure to do so may result in disciplinary and other employment‑related actions.

Qualifications

• High School Diploma or GED required.
• 3‑5 years of previous related experience required.
• Previous financial institution or credit union experience preferred.

Knowledge, Skills, and Abilities

• Knowledge of bankruptcy laws, FDCPA, TCPA and SCRA.
• Excellent verbal and written skills.
• Uses active listening skills to determine the Member’s hardship and provides appropriate solution.
• Ability to multi‑task.
• Intermediate computer and typing skills.
• Experience with inbound/outbound phone system preferred.
• Conflict resolution and negotiation skills.

EEO Statement

SchoolsFirst FCU is an equal opportunity employer and prohibits discrimination against qualified individuals based on their status as protected veterans or individuals with disabilities and prohibits discrimination against all individuals based on race, color, religion, sex, national origin, age, sexual orientation, gender identity or expression, political affiliation, or genetic information. This organization participates in E‑Verify.

Location: 100% on‑site, 0% remote. Including those serving Members in‑person at our branches. Three days a week in the office and up to two days remote. Hybrid teams coordinate on‑site days to collaborate in‑person. Up to 100% remote. Select individual contributor roles may be given the option to work fully remote.