Senior Collection Specialist

Jobtailor

Midlothian (VA)

On-site

USD 42,000 - 65,000

Full time

14 days+

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Job summary

Jobtailor in Virginia seeks a Collections Team Lead to oversee its collections operations, mentor staff, and drive timely recoveries. You will coordinate repossession actions, garnishments, and court documentation while ensuring compliance with regulations.

The role requires proven leadership, strong negotiation skills, and experience with skip-tracing tools such as Miser, Hostlink, STAR, and WebXtender. You will manage accounts, handle overtime, and support the department's risk-management

Qualifications

High school diploma or equivalent is required.
Prior collection experience is required.
Must demonstrate leadership skills.
Working knowledge of the legal collection process.
Proven negotiation and follow-up skills.
Must complete OJT Collections Specialist I and II training.
Proficient with computers and Windows-based environments.
Effective verbal and written communication with members.
Ability to handle stressful situations calmly and manage multiple priorities with overtime.
Ability to sit for long periods.
Must complete ongoing enterprise-level training including BSA, OFAC, and Information Security.
Maintain confidentiality of member and credit union account information.

Responsibilities

Provide team leader support for the Collections team.
Primary contact for repossessions.
Approve reinstatement, recall, or redemption of repossessed vehicles.
Lead the team during scheduled overtime.
Post garnishment checks and prepare documentation for court cases.
Review and recommend accounts for monthly charge-off.
Assess accounts subject to right of offset.
Manage a portfolio of discharged bankrupt accounts within legal limits.
Enter workout requests in the loan origination system.
Submit paperwork to release garnishments and initiate repossession, legal action, garnishment, or attorney assignment.
Serve as a system tester for Collections as needed.
Contact members appearing in court and negotiate resolutions.
Handle escalated calls and extension requests.
Perform on-the-job training, mentoring, and coaching for new collectors.
Act as a resource for other credit union staff.
Make decisions regarding debit-card restrictions and delinquent lines of credit or credit cards.
Utilize Miser, Hostlink, STAR, WebXtender, FDI, credit bureaus, origination systems, and other skip-tracing sites.
Appear as a witness in court on behalf of the Credit Union.
Contact delinquent members to determine intent to pay and resolve unpaid accounts within regulatory limits.
Manage account portfolios, schedule follow-ups, and maximize repayment.
Minimize delinquency and loan losses while achieving Credit Union goals.
Promote credit union services through needs-focused cross-selling.
Document collection contacts and results accurately and professionally.
Explain delinquency-resolution options by phone.
Assist members experiencing financial difficulty through referrals to BALANCE or other Consumer Credit Counseling Services.
Maintain knowledge of federal regulations and Credit Union policies related to collections and consumer lending.
Process payments, assist with automatic-payment problems, and answer internal and external calls.
Meet individual, team, and department goals.
Complete required enterprise training and report risk-management policy violations.
Maintain confidentiality of member and credit union account information.

Skills

Leadership Skills

Negotiation Skills

Legal Collection Process Knowledge

Collections Experience

Windows-Based Environment Proficiency

Problem-Solving

Attention to Detail

Effective Communication

Team Coordination

Overtime Ability

Education

High School Diploma or Equivalent

Tools

Miser

Hostlink

STAR

WebXtender

FDI

Loan Origination System

Credit Bureaus

Job description

Provide team leader support for the Collections team
Serve as the primary contact for repossessions
Approve reinstatement, recall, or redemption of repossessed vehicles
Lead the team during scheduled overtime
Post garnishment checks and prepare documentation for court cases
Review and recommend accounts for monthly charge-off
Assess accounts subject to right of offset
Manage a portfolio of discharged bankrupt accounts within legal limits
Enter workout requests in the loan origination system
Submit paperwork to release garnishments and initiate repossession, legal action, garnishment, or attorney assignment
Serve as a system tester for Collections as needed
Contact members appearing in court and negotiate resolutions
Handle escalated calls and extension requests
Perform on-the-job training, mentoring, and coaching for new collectors
Act as a resource for other credit union staff
Make decisions regarding debit-card restrictions and delinquent lines of credit or credit cards
Utilize Miser, Hostlink, STAR, WebXtender, FDI, credit bureaus, origination systems, and other skip-tracing sites
Appear as a witness in court on behalf of the Credit Union
Contact delinquent members to determine intent to pay and resolve unpaid accounts within regulatory limits
Manage account portfolios, schedule follow-ups, and maximize repayment
Minimize delinquency and loan losses while achieving Credit Union goals
Promote credit union services through needs-focused cross-selling
Document collection contacts and results accurately and professionally
Explain delinquency-resolution options by phone
Assist members experiencing financial difficulty through referrals to BALANCE or other Consumer Credit Counseling Services
Maintain knowledge of federal regulations and Credit Union policies related to collections and consumer lending
Process payments, assist with automatic-payment problems, and answer internal and external calls
Meet individual, team, and department goals
Complete required enterprise training and report risk-management policy violations
Maintain confidentiality of member and account information

Requirements

High school diploma or equivalent required
Prior collection experience required
Must demonstrate leadership skills
Working knowledge of the legal collection process
Proven negotiation and follow-up skills
Must be performing at a Significant Contributor level after completing the OJT Collections Specialist I and II training program
Proficient with computers and Windows-based environments
Good keyboarding skills
Effective verbal and written communication with members
Problem-solving ability and sound judgment
Ability to handle stressful situations calmly and manage multiple priorities without direct supervision
Ability to work well in team settings
Ability to listen carefully, probe for details, and ask targeted questions
Must work required overtime and/or Saturdays as needed
Ability to sit for long periods
Ability to lift or carry objects up to 10 pounds infrequently
Must complete ongoing enterprise-level training, including BSA, OFAC, and Information Security
Must maintain confidentiality of member and credit union account information

Core Competencies

Demonstrates strong leadership and negotiation skills while managing collections processes and maintaining compliance with federal regulations. Proficient in utilizing various systems and tools to optimize account management and enhance member communication.

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