Collector I

Our Purpose At Vibe, we are driven by our mission to elevate community and create opportunity. We believe in fostering an environment of inclusivity where every team member has the chance to grow professionally. Guided by our core values – be inclusive, educate, embrace change, and seek opportunities - we are dedicated to making a positive impact in the lives of our members and communities. As we continue to grow and expand our team, we are seeking passionate individuals who share our vision and are eager to join us in our journey. If you are someone who is passionate about making a difference and is committed to creating a brighter future for our communities, we invite you to explore this exciting opportunity at Vibe! Your Role: Collector I As a Collector, you will play a critical role in minimizing delinquency and loan loss while maintaining positive, professional relationships with members. You’ll work directly with members to understand financial situations, create repayment solutions, and ensure accounts are resolved responsibly—always working toward the goal of reducing risk without adding to member hardship. This role combines strong communication skills, problem‑solving, and member‑focused service to help both the member and the credit union achieve the best possible outcomes. What You’ll Do: Manage Delinquency: Control delinquent accounts and reduce loan losses while maintaining positive member relationships. Ensure Compliance: Work within all state and federal regulations as well as credit union policies and procedures. Communicate with Members: Contact members through various channels to understand their financial situation and establish ability to repay. Develop Payment Solutions: Negotiate and establish payment arrangements for past‑due loans and negative account balances. Document Activity: Maintain accurate records of all member interactions, payment arrangements, and collection efforts in the collections system. Maintain Account Records: Scan and organize relevant documentation in appropriate imaging systems. Escalate When Needed: Recommend repossession, foreclosure, or legal action in collaboration with leadership when appropriate. Process Account Adjustments: Handle collateral protection insurance updates, loan modifications, and account changes as needed. Submit Claims: Process debt protection, warranty refunds, and GAP/GAP Plus claims. Monitor Accounts: Proactively manage negative savings and checking accounts and take action in accordance with policy. Support Compliance Training: Maintain knowledge of BSA and related regulatory requirements and complete required annual training. Perform Other Duties: Support departmental initiatives and additional responsibilities as assigned. What We’re Looking For: Education & Experience High school diploma or equivalent required Skills & Abilities Excellent communication and interpersonal skills Strong sales and negotiation skills Ability to build rapport and maintain professionalism in sensitive situations Team‑oriented mindset with a positive attitude Dependable, self‑motivated, and adaptable Ability to manage multiple tasks and adjust priorities as needed Why You’ll Love It Here: You’ll play a meaningful role in helping members navigate challenging financial situations. You’ll build strong problem‑solving and negotiation skills that directly impact outcomes. You’ll work with a supportive team focused on collaboration and continuous improvement. You’ll contribute to a mission‑driven organization dedicated to elevating community and creating opportunity. You’ll have opportunities to grow within the Collections and broader lending teams. Physical Requirements The physical demands described represent those required to successfully perform the essential functions of the position. Reasonable accommodations may be made to enable individuals with disabilities to perform these functions. While performing this role, the employee may be required to hear, see, talk, stand, walk, stoop, kneel, lift, push, pull, and grasp. #J-18808-Ljbffr Vibe Credit Union