Retail Collection Services Representative III

Technology Credit Union (Tech CU); San Jose (CA); On-site; USD 70,000 - 100,000; Full time

Job summary

Technology Credit Union (Tech CU) seeks a Retail Collection Services Representative III who thrives in complex cases, turning financial challenges into positive outcomes for members.

You’ll resolve delinquent consumer, mortgage, and home equity loans, evaluate modifications, negotiate short sales, and oversee foreclosure activities with strict regulatory compliance.

Qualifications

• 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.
• Navigate complex situations with professionalism, empathy, and sound judgment.
• A passion for finding solutions and helping others succeed.

Responsibilities

• Resolve delinquent consumer, mortgage, and home equity loans.
• Evaluate loan modifications and negotiate short sales.
• Manage foreclosure activities and ensure regulatory compliance.
• Serve as a trusted expert and strategic problem solver for members.

Skills

Loan collections

Loss mitigation

Regulatory compliance

Empathy

Problem solving

Tools

FDCPA knowledge

FCRA knowledge

Foreclosure processes

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.