Collections Representative II

Weve been serving Texans for over 70 years, and our mission is bigger than banking. At Greater Texas | Aggieland Credit Union, we believe in building connections that last with our members, our community, and our team. Here, youll find more than a job. Youll find a place where: Relationships matter. We get to know our members and walk with them through lifes milestones. Community comes first. Giving back and making a difference is part of our DNA. Every role has purpose. Your work makes an impact far beyond the day-to-day. If you have a passion for people and want to be part of something meaningful, youll feel right at home with us. What's in it for you?! Growth & Development: Ongoing training and coaching to expand your skill set and career potential.Exposure to cross-functional projects and strategic initiatives that shape the future of our organization.Opportunities for leadership development and internal career advancement. Dynamic & Impactful Work Environment: A collaborative workplace where your ideas and expertise help drive innovation and efficiency.Be part of a growing organization that values continuous improvement and fresh perspectives.Engage in meaningful work that directly supports our mission and enhances the member experience. Full Benefits Package -Enjoy competitive benefits that include: Choices of Medical, Dental, Vision, Life and AD&D Insurance.Optional Critical Illness, Accident, and Hospital Indemnity Benefits.16 hours of paid volunteer timeannually to give back to your community.Monthly accruals of vacation and sick time, plus several paid holidays.401k plan with up to 7% employer matchto help you secure your future.?Tuition reimbursementfor continued education and personal growth.Access to our HQ fitness center and studio. Supportive & Engaging Workplace Culture: A team-oriented environment where collaboration and innovation thrive.Recognition programs that celebrate achievements and contributions.Regular team-building activities, fun office events, and frequent potlucks. The Basics of a Collections Representative II: Full-Time, Non-ExemptSchedule: Monday - Friday from 8:00 am to 5:00 pmHybrid Position - After the initial training period, a hybrid work model will become an option. You will be requested to work 4 days on-site and 1 day remote.Allowing for a blend of remote and onsite work based on performance and departmental needs.Location: Headquarters - Austin, TX About the Role Do you enjoy solving problems while helping people get back on track financially? Are you comfortable navigating challenging conversations while finding solutions that support both the member and the credit union? As our Collections Representative II, you'll manage both early- and late-stage delinquent accounts with a focus on loss mitigation and asset recovery. You'll work directly with members to negotiate repayment solutions, perform skip tracing, assist with repossessions and impounds, and coordinate with third-party vendors. This position is a great opportunity for an experienced collections professional who is ready to build upon their foundational collections knowledge and develop specialized expertise in collateral and repossession processes. What Were Looking For We're looking for an experienced collections professional who combines strong negotiation skills with empathy and professionalism. You'll be someone who can confidently navigate challenging situations, think critically, and build positive relationships while balancing member service with sound financial stewardship. If you're a collaborative team player who enjoys mentoring others, identifying process improvements, and making an impact, we'd love to hear from you. Whats In It For You Hybrid work flexibility after trainingOpportunity to mentor and support team developmentCareer growth within a stable financial institutionCollaborative and supportive team environmentMeaningful work helping members achieve financial successCompetitive pay and comprehensive benefits Key Responsibilities Manage early- and late-stage delinquent loan, credit card, and share accountsNegotiate repayment arrangements and recommend appropriate recovery solutionsHandle complex accounts involving bankruptcies, repossessions, skip tracing, and legal referralsProcess insurance and skip claims while maintaining accurate documentationServe as a subject matter expert and mentor junior Collections RepresentativesAnalyze collection trends and prepare operational reportsPartner with internal departments and third-party vendors to improve collection strategiesEnsure compliance with all applicable credit union policies and regulatory requirements Other Duties Support ongoing process improvements to increase efficiencyComplete required compliance and professional development trainingMaintain compliance with BSA/AML and Fair Debt Collection Practices requirementsPerform additional duties to support the Collections team as business needs evolve