Temp - Collector

Rize Beyond Banking; Irwindale (CA); Hybrid; USD 34,000 - 40,000; Full time

Job summary

Rize Federal Credit Union is seeking a temporary Collector in Loss Prevention to work with members, negotiate repayment plans, and minimize losses while delivering empathetic service. Based in Irwindale, CA, you will manage delinquent accounts, explore loss mitigation options, and support members through financial hardship in a hybrid in-office/remote setting.

You will handle documentation, compliance with FDCPA, and collaborate with legal and collection agencies as needed.

Qualifications

• 2+ years of collections or related field experience, preferably in financial services.
• Knowledge of FDCPA, Rosenthal Act and applicable regulations.
• High school diploma or equivalent required.
• Strong verbal and written communication and negotiation skills.
• Ability to handle confidential information with discretion.

Responsibilities

• Account management: monitor delinquent accounts and communicate with members.
• Negotiate repayment terms and set up payment plans.
• Evaluate options like loan modifications and extensions.
• Restrict account activity as needed and flag for charge-off when appropriate.
• Oversee collateral protection for secured loans.
• Ensure compliance with regulatory requirements and FDCPA guidelines.

Skills

Collections experience

FDCPA knowledge

Rosenthal Act knowledge

Negotiation

Microsoft 365

Education

High school diploma or equivalent

Tools

Microsoft 365

Job description

Rize Federal Credit Union is hiring a (Temporary) Collector in Loss Prevention to help members resolve past-due balances with empathy and professionalism.

• Location: Headquarters, Irwindale, CA
• Reports to: Supervisor, Collections
• Classification: Non-exempt, temporary

About the Role

The Temp Collector manages delinquent accounts and works directly with members to bring past-due balances current, minimize losses, and keep payments on time. You will negotiate payment arrangements, explore loss mitigation options, and support members through financial hardship, all while delivering a positive member experience.

What You'll Do

Account management

• Monitor a portfolio of delinquent accounts with timely follow-ups and consistent member communication.
• Contact members by phone, email, and other channels to discuss account status and negotiate repayment terms.
• Set up and track repayment plans that work for the member and protect the credit union.
• Evaluate options such as loan modifications and extensions to help members avoid foreclosure or repossession.
• Restrict member account activity as needed and recommend accounts for charge-off.
• Oversee Collateral Protection Insurance for secured loans.

Member support

• Offer compassionate service and resources to members facing financial difficulty.
• Educate members on maintaining good credit and managing their finances.
• Serve ITIN holders and underserved or unbanked members with tailored solutions.

Documentation, compliance, and legal coordination

• Document every member interaction, payment agreement, and action taken, in line with regulatory requirements.
• Follow federal, state, and local laws and internal policies, including the Fair Debt Collection Practices Act (FDCPA).
• Prepare documents for legal action and coordinate with collection agencies, legal counsel, and bankruptcy courts.
• Apply bankruptcy rules when arranging payments with members who have filed.

Performance

• Meet department standards for outbound call volume, account follow-up, and documentation.

What You'll Bring

Required

• 2+ years of experience in collections or a related field, preferably at a financial institution.
• Familiarity with the FDCPA, the Rosenthal Act, and other relevant laws.
• High school diploma or equivalent.
• Strong verbal and written communication and negotiation skills, with a friendly, professional manner.
• Composure in difficult conversations and discretion with sensitive, confidential information.
• Proficiency in Microsoft 365 (Outlook, Teams, Word, Excel).
• Strong attention to detail and organization.
• Ability to work independently and as part of a team.
• Flexibility to work extra hours as needed and to work in a hybrid remote and in-office environment.

Preferred

• Bilingual in English and Spanish.
• Knowledge of ITIN and solutions for underserved or unbanked members.

Work Environment and Physical Requirements

• Primarily sedentary work, with occasional lifting of up to 10 lbs.
• Routine computer work, typically 6 to 8 hours a day.
• Ability to talk and hear, and to climb or descend stairs in an emergency.
• Indoor, climate-controlled shared workspace with minimal noise.
• Extended hours when requested by management.
• Ability to stay calm and professional with people of many backgrounds, handle shifting priorities under deadline pressure, and work with limited supervision.

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions of the job.

Pay Range for California Residents

The pay range for this position is $25.00 to $29.00 per hour for California residents.

Temporary Position and Equal Opportunity

This is a temporary position providing operational support to the Collections Department. The length of employment depends on business needs and does not create an expectation of regular employment.

Rize Federal Credit Union is an Equal Opportunity Employer of women, minorities, protected veterans, and individuals with disabilities.