Member-Focused Collections & Solutions Specialist

Vibe Credit Union; Waterford Charter Township (MI); On-site; USD 36,000 - 48,000; Full time

Job summary

Vibe Credit Union is seeking a Collector I to work with members facing delinquency, developing repayment plans and solutions while maintaining professional relationships. The role focuses on reducing loan losses, ensuring compliance, and using strong communication skills to navigate sensitive financial situations.

You will negotiate payment arrangements, document all activity, and collaborate with leadership on when to pursue repossession or legal actions.

Qualifications

• Excellent communication and interpersonal skills.
• Strong sales and negotiation abilities.
• Ability to build rapport and maintain professionalism in sensitive situations.
• Team‑oriented mindset with a positive attitude.
• Dependable, self‑motivated, and adaptable.
• Ability to manage multiple tasks and adjust priorities as needed.

Responsibilities

• Manage delinquency and reduce loan losses while maintaining positive member relationships.
• Ensure compliance with state and federal regulations and credit union policies.
• Communicate with members to understand financial situations and establish repayment plans.
• Develop payment solutions and negotiate past‑due loan arrangements.
• Document all member interactions and collection efforts in the system.
• Maintain and organize account records and imaging documents.
• Escalate to leadership for repossession, foreclosure, or legal action when appropriate.
• Process account changes, insurance updates, and claims as needed.
• Monitor negative accounts and take action per policy.
• Support regulatory training and department initiatives.

Skills

Clear communication

Interpersonal skills

Sales and negotiation

Rapport building

Team oriented

Dependable and adaptable

Multitasking

Education

High school diploma or equivalent

Job description

Vibe Credit Union is seeking a Collector I to work with members facing delinquency, developing repayment plans and solutions while maintaining professional relationships. The role focuses on reducing loan losses, ensuring compliance, and using strong communication skills to navigate sensitive financial situations.

You will negotiate payment arrangements, document all activity, and collaborate with leadership on when to pursue repossession or legal actions.