Temp - Collector

Rize CU; Irwindale (CA); Ibrido; USD 34.000 - 40.000; Part-time

Vantaggi offerti da questo lavoro

Life insurance

Long-term disability Insurance

Employer retirement plan

Descrizione del lavoro

Rize Federal Credit Union is seeking a compassionate Temp Collector in Loss Prevention to help members resolve past-due balances. You will negotiate repayment plans, evaluate loss mitigation options, and uphold regulatory compliance in a hybrid in-office/remote setting.

Responsibilities include account management, member support, and precise documentation of interactions. Prior debt-collections experience and knowledge of FDCPA and Rosenthal Act are preferred.

Competenze

• 2+ years of collections or related field, preferably at a financial institution.
• Familiarity with the FDCPA, Rosenthal Act, and other relevant laws.
• High school diploma or equivalent.
• Strong verbal and written communication and negotiation skills.
• Discretion with sensitive information.
• Ability to work in hybrid remote/in-office environment.

Mansioni

• Account management: monitor delinquent accounts and communicate with members to discuss status and terms.
• Member support: provide compassionate service and resources for financial hardship, educate on credit management.

Conoscenze

Collections experience

FDCPA knowledge

Rosenthal Act knowledge

Communication skills

Bilingual English/Spanish

Formazione

High school diploma or equivalent

Strumenti

Microsoft 365 (Outlook, Teams, Word, Excel)

Descrizione del lavoro

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.

We’d love for you to consider joining our team to make a meaningful impact and help others realize their full potential.

We offer:

• Full- and part-time positions
• Life insurance, long-term disability insurance
• Generous retirement plan with employer matching

Bringing creativity & connection to everything she does As Brand Manager, Heather Steele wears many hats managing Rize’s social