Collections Representative managing late-stage delinquent accounts at Municipal Credit Union. Responsible for member outreach to resolve past-due balances efficiently and courteously.
Responsibilities
Responsible for managing late-stage delinquent accounts
Contact members through multiple channels to resolve delinquencies
Conduct outbound and receive inbound calls to negotiate payment arrangements
Accurately update system notes and maintain records of member interactions
Identify, evaluate, and resolve reasons for delinquency
Process payments from members to cure account delinquency
Counsel members on available alternatives to eliminate delinquency
Analyze member financial situations to determine appropriate solutions
Identify hardship cases and escalate appropriately
Educate members on their account status and payment options
Adhere to all collection policies, procedures, and applicable laws
Utilize skip tracing tools for locating members
Collaborate with other business units to resolve disputes
Meet or exceed departmental goals and performance metrics
Participate in ongoing training and development sessions
Perform other duties as required
Requirements
High school diploma or equivalent required
3-5 years of experience in customer service or collections
Strong verbal and written communication skills
Ability to handle high call volumes while maintaining professionalism and accuracy
Available to work overtime and Saturdays as required
Ability to work independently
Strong negotiation, communication, and problem-solving skills
Experience with collection systems and basic office software (e.g., Microsoft Office)
Bilingual (Spanish/English) preferred but not required
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