Asset Adjuster

Asset Adjuster

Job Category: Lending Requisition Number: ASSET001285

Posted: June 1, 2026

Full-Time

On-site

Hourly Range: $19.49 USD to $29.23 USD

Location: Eastdale Montgomery, AL 36117, USA

Job Details

At MAX Credit Union, our culture is built on simplicity, integrity, and hospitality. As an Asset Adjuster, you'll play a vital role in helping members overcome financial challenges with clarity and care. By managing delinquent accounts and guiding members toward solutions, you'll embody our commitment to making banking easy, honest, and personal—protecting the credit union's assets while preserving trust and strengthening relationships.

We value our team and offer a competitive benefits package that includes:

• Comprehensive health and dental coverage
• 200% employer 401k match!
• Access to pharmacy and wellness programs
• Supportive work environment with recognition for outstanding service
• and more!

Role:

To protect and preserve the credit union's financial assets by effectively managing delinquent loan accounts through consistent, accurate, and professional collection efforts. This role requires a high level of attention to detail, adherence to compliance standards, and expertise in analyzing member accounts and recovering funds while maintaining a member-centric approach.

Essential Functions & Responsibilities:

• Proactively monitors and manages a portfolio of consumer loans that are 11 to 50 days past due.
• Follows structured collection processes to contact members, negotiate repayment terms, and ensure timely resolution.
• Performs precise file maintenance on member accounts and ensures all teller postings, account updates, and status changes are accurately recorded in the core system.
• Accepts and processes member payments with accuracy and ensures all transactions are correctly applied in accordance with internal policies.
• Supports proper and timely reporting of loan statuses to credit bureaus and other financial reporting systems; ensuring adherence to Fair Credit Reporting Act (FCRA) guidelines.
• Maintains comprehensive, organized records of all member communication and collection activities while ensuring all actions are documented in compliance with regulatory standards and internal procedures.
• Performs in-depth skip tracing using internal systems and approved tools to locate members with outdated or inaccurate contact information.
• Evaluates accounts for legal collection activity and collaborates with legal partners or attorneys to escalate cases appropriately, ensuring proper documentation and chain of custody.
• Prepares, maintains, and analyzes delinquency reports, spreadsheets, and account watch lists to support decision-making and track trends or recurring issues.
• Identifies potential legal or operational risks and promptly escalates concerns to management with recommendations for next steps.
• Assists in responding to collection hotline calls and provides support to internal team members to ensure seamless member service and issue resolution.
• Serves as backup to department adjusters and specialists when needed.
• Approaches all collection activity with professionalism, empathy, and the intent to preserve member relationships while enforcing policy and protecting the credit union.
• Stays current with policy and regulatory changes.
• Maintains a member first mindset.
• Upholds core values and builds team member and customer relationships.
• Completes all training as required.
• Performs other duties as assigned.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.