Member Solutions Specialist

Colorado Credit Union

Littleton (CO)

Hybrid

USD 37,000 - 39,000

Full time

14 days+

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Benefits offered by this job

Medical/Dental/Vision Insurance

401k Employer Contributions & Match

Annual Profit Sharing funded into the

Tuition Reimbursement

Paid Time Off

Paid Holidays

Work-Life Balance and Flexible Work S

Job summary

Colorado Credit Union is seeking a Collections Specialist to support delinquency reduction and member financial solutions. In this full-time role, you will manage accounts, negotiate payment arrangements, and coordinate with attorneys and third-party agencies.

You will leverage loss mitigation knowledge, adhere to FDCPA and CFDCPA standards, and maintain detailed records. The position offers a hybrid work arrangement, competitive benefits, and opportunities for professional growth in a

Qualifications

Associate degree preferred; high school diploma or equivalent plus training/experience equivalent to two years of college required.
Two to five years of collections, customer service, or related financial institution experience required.
Experience in collections, loan servicing, loss mitigation, or recovery operations preferred.
Bilingual Spanish and English preferred.

Responsibilities

Manage delinquency control and outreach for accounts at risk.
Negotiate payment arrangements to bring accounts current.
Educate members on hardship resources and available solutions.
Maintain accurate records of collection activities and member interactions.
Coordinate with third-party vendors for repossession activities.
Ensure compliance with FDCPA, CFDCPA, UDAAP, and related regulations.

Skills

Collections knowledge

Negotiation

Regulatory compliance

Analytical thinking

Communication (written & verbal)

Bilingual (Spanish/English)

Education

Associate degree preferred; high school diploma with 2 years of college equivalent required

Job description

Job Details

Job Location: 10026 W San Juan Way - Littleton, CO 80127Position Type: Full TimeEducation Level: 2 Year DegreeSalary Range: $26.50 - $28.50 HourlyTravel Percentage: Up to 25%Job Shift: DayJob Category: FinanceGENERAL PURPOSE

ESSENTIAL DUTIES AND RESPONSIBILITIES

Lives CCU's service standards and core values Be the Advocate. Embrace Curiosity. Be Compassionate.
Partners with the Member Solutions Department leadership to effectively mitigate losses and support departmental objectives.
Maintains delinquency control and follow-up program for loan and share accounts that are delinquent, at risk of delinquency, or charged off.
Conducts early-intervention outreach to members experiencing financial hardship.
Assists members with payment assistance programs.
Educates members on available solutions and resources to help them through financial hardship.
Maintains assigned queues on daily basis through inbound and outbound communications via telephone, SMS, mail, email, and digital banking channels.
Identifies causes of defaults, delinquencies, and negotiates appropriate payment arrangements to bring accounts current.
Administers collection related processes including but not limited to collection activity, bankruptcies, right-to-cure (RTC) notices, garnishments, deferment and interest-only payment assistance requests, collection attorney invoices, and repossession activities.
Provides recommendations for appropriate action on those accounts that cannot be reached, or on which satisfactory arrangements cannot be made.
Maintains accurate and complete records of all collection activities and member interactions within the designated collection system.
Posts payments, fees, and adjustments to member accounts as authorized.
Performs skip-tracing activities to obtain and locate collateral and location information.
Coordinates with third-party vendors and prepares required documentation to liquidate repossessed collateral.
Obtains collection activity reports from attorneys and 3rd party collection agencies and reviews collection activities and updates credit bureaus as necessary.
Process garnishments, levies, subpoenas, and tow/impound notifications.
Administers negative account processes including member communications, charge-offs, fee reversals, and required ChexSystems reporting.
Ensures compliance with FDCPA, CFDCPA, UDAAP, and all other applicable federal, state, and Credit Union collection requirements.
Adhere to all service standards as outlined in the credit union's policies and procedures.
Participates in credit union business development and community relations activities.
All other duties as assigned.

KNOWLEDGE, SKILL AND ABILITY

Knowledge of collections principles and loss mitigation strategies.
Knowledge of, and ability to apply principles of collections and federal/state collection regulations.
Ability to negotiate payment arrangements and resolve member concerns professionally and effectively.
Ability to investigate account issues, analyze information, exercise sound judgment, and make informed decisions.
Strong organizational skills with the ability to manage multiple priorities and deadlines.
Ability to communicate effectively in writing and verbally (by phone and in person).
Bilingual in Spanish and English is preferred.

EDUCATION, FORMAL TRAINING, AND EXPERIENCE

Associate's degree is preferred. High school diploma or equivalent plus additional training and/or experience equivalent to two years of college is required.
Two to five years of experience in collections, customer service, a financial institution, lending, or related experience required. Previous experience in collections, loan servicing, loss mitigation, or recovery operations is preferred.

WORK ENVIRONMENT/PHYSICAL ACTIVITES

WORK ENVIRONMENT: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. Colorado Credit Union prefers for their staff to be in a branch location at least three days a week, which is typically Monday, Wednesday, Friday, and hybrid work from home is an option for the other days of the week.

PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. The employee may be required to move around for short periods during the day. The employee must occasionally lift and/or move up to 25 pounds.

Additional InformationBENEFITS