Senior Collections & Recovery Specialist - Remote (Bonus Eligible)

CCFBank; La Crosse (WI); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Health, Vision & Dental Plans

HSA with contributions

401K with company match

Paid Time Off & Holidays

Remote Work Arrangements

Job summary

CCFBank is seeking a Senior Collections Specialist to lead collection and recovery efforts for delinquent and charged-off accounts. The role collaborates with the AVP of Mortgage Processing & Special Assets to identify loss mitigation opportunities and develop repayment plans for borrowers.

Ideal candidates bring experience with Freddie Mac, Fannie Mae, VA, USDA, and SBA loan programs, strong communication, and mentoring skills to support a high‑volume, compliant collections operation within a

Qualifications

• Associates’ degree in accounting, finance, economics or related field. Substitution: two years of related experience may be considered.
• Four (4) years of experience in the financial services industry.
• Four (4) years of experience in collections or customer service.
• Experience with Freddie Mac, Fannie Mae, VA, USDA, and SBA loan programs preferred.
• In evaluating candidates, combination of education, training, and experience may be considered.

Responsibilities

• Manage collection and recovery efforts for delinquent and charged-off consumer and commercial loan accounts.
• Contact customers to discuss payment obligations, negotiate repayment arrangements, and identify loss mitigation opportunities.
• Assist with loan workouts, settlements, bankruptcies, repossessions, foreclosures, and recovery activities.
• Work closely with AVP of Mortgage Processing & Special Assets and external agencies to support collection and recovery efforts.
• Research delinquent accounts, conduct skip tracing, and gather documentation necessary to support collection strategies.
• Maintain accurate records and documentation of collection activities and customer interactions.
• Monitor portfolios to identify high-risk accounts and recommend appropriate action.
• Create and maintain department procedures and support process improvement initiatives.
• Serve as a mentor and resource for Collections Specialists and other team members.
• Participate in department and bank-wide projects, system updates, and process enhancements.
• Ensure compliance with all bank policies, procedures, and applicable state and federal regulations.

Education

Associates’ degree in accounting, finance, economics or related field

Two years of directly related experience may be considered in lieu of degree

Job description

CCFBank is seeking a Senior Collections Specialist to lead collection and recovery efforts for delinquent and charged-off accounts. The role collaborates with the AVP of Mortgage Processing & Special Assets to identify loss mitigation opportunities and develop repayment plans for borrowers.

Ideal candidates bring experience with Freddie Mac, Fannie Mae, VA, USDA, and SBA loan programs, strong communication, and mentoring skills to support a high‑volume, compliant collections operation within a