Retail Collection Services Representative III

Technology Credit Union (Tech CU); San Jose (CA); On-site; USD 85,000 - 110,000; Full time

Job summary

Technology Credit Union is seeking a Retail Collection Services Representative III who thrives in complex situations and helps members navigate financial challenges by turning them into positive outcomes.

You’ll resolve delinquent consumer, mortgage, and home equity loans, evaluate loan modifications, negotiate settlements, and oversee foreclosure activities while ensuring regulatory compliance and solid member support.

Qualifications

• Extensive experience in consumer and real estate loan collections.
• Knowledge of default servicing, foreclosure processes, and loss mitigation.
• Solid understanding of bankruptcy, FCRA, FDCPA, and regulatory requirements.
• Ability to manage complex situations with professionalism, empathy, and sound judgment.
• Passion for finding solutions and helping members navigate financial challenges.

Responsibilities

• Resolve delinquent consumer, mortgage, and home equity loans.
• Evaluate loan modifications and negotiate settlements.
• Manage foreclosure activities and ensure regulatory compliance.
• Serve as a trusted expert and strategic problem solver for members.
• Provide guidance to protect members' financial well-being.

Skills

Loan collections

Real estate loan collections

Default servicing

Foreclosure processes

Regulatory compliance

Empathy and professionalism

Job description

Collections Expert? Mortgage Default Pro? Problem Solver? We Want to Meet You.

At Technology Credit Union, we're looking for a highly skilled Retail Collection Services Representative III who thrives in complex situations and knows how to turn financial challenges into positive outcomes.

This isn't your typical collections role. You'll be at the forefront of resolving delinquent consumer, mortgage, and home equity loans while helping members navigate some of life's most difficult financial circumstances. From evaluating loan modifications and negotiating short sales to managing foreclosure activities and ensuring regulatory compliance, you'll serve as a trusted expert and strategic problem solver.

What You’ll Bring:

• Deep experience in consumer and real estate loan collections
• Expertise in default servicing, foreclosure processes, and loss mitigation
• Strong knowledge of bankruptcy, FCRA, FDCPA, and regulatory compliance requirements
• The ability to navigate complex situations with professionalism, empathy, and sound judgment
• A passion for finding solutions and helping others succeed

Help members find solutions. Protect financial well-being. Build your career with Tech CU.