Collections Representative II (late stage)

Now Hiring: Join EECU as a Collections Representative (Account Resolutions Representative II) ! Are you energized by challenges and love helping people find solutions? In this dynamic role you’ll play a key part in supporting our members while helping them stay on track financially. Responsibilities Collect late‑stage delinquent accounts (90+ days past due) on all delinquency accounts, including charge‑off accounts. Conduct skip tracing and submit accounts for repossession as required. Establish payment arrangements, provide credit counseling, set and enforce deadlines. Recommend and process loan extensions or workouts. Apply and enforce laws relating to debt collection, privacy and bankruptcy (e.g., BSA, AML, NCUA Privacy, FCRA/FACTA, Fair Debt Collections Act). Recognize and report internal process failures that may cause erroneous reporting of delinquency. Audit loans and explain calculations to co‑workers and members. Support and maintain knowledge of deceased, bankruptcy accounts and repossession submissions. Qualifications 3+ years collection experience in automobile, mortgage, or credit card portfolios; late‑stage experience preferred. Two years customer service experience. High level of understanding with deceased, bankruptcy accounts and repossessions. In‑depth knowledge of collection laws and general familiarity with bankruptcy laws. Must understand Collateral Protection Insurance. Effective communication, ability to diffuse tension and calm members. Effectively negotiate acceptable repayment arrangements. Ability to work a flexible schedule Monday through Saturday (varied hours, e.g., 7 pm weekdays, 9 am–1 pm Saturdays). Bilingual (Spanish) speaking preferred. High School diploma or equivalent. Good credit history and successful background check, employment, criminal, and drug screening. EECU is an Equal Opportunity Employer and does not discriminate against applicants due to veteran status or disability. #J-18808-Ljbffr EECU Credit Union