Part Time Collector, English/Spanish Bilingual

This is a fully remote position, open to applicants in Arizona, +4 more states.

📋 Description

• Assist members with overdue consumer, commercial, or real estate loans.

• Communicate supportively, constructively, and empathetically with members via telephone, email, text, chat, and letters.

• Understand the factors leading to members’ overdue situations.

• Develop strategies to address delinquent loan statuses.

• Conduct independent research and follow-up tasks, including verifying financial responsibility and locating member contact details.

• Complete the necessary documents for resolving delinquencies.

• Balance the individual needs of members with the requirements of UFCU membership while adhering to policies, procedures, laws, and regulations.

• Verify the identities of members and third parties.

• Inform members about their overdue loan status and ascertain reasons for delinquency, as well as their capacity and willingness to settle balances.

• Suggest resolutions, confirm member commitments, and carry out follow-up activities.

• Provide member service to eliminate barriers to timely loan repayments.

• Confirm debt responsibility, loan balances, loan terms, and associated information.

• Provide loan documents and set up, modify, or cancel automated payments.

• Advise members on UFCU practices and create and publish loss mitigation documentation.

• Generate written communications and supply accurate information regarding UFCU services.

• Utilize collections management, billing, telephone, member relationship management, and intranet systems.

• Document collection activities in accordance with laws, regulations, policies, and procedures.

• Contribute to and engage in improvements of systems, processes, and procedures.

• Participate in projects aimed at developing, implementing, upgrading, and replacing UFCU systems.

• Complete required regulatory training and adhere to the Bank Secrecy Act, Anti-Money Laundering, USA Patriot Act, OFAC, Fair Lending regulations, and internal controls.

• Report to the Assistant Manager – Collections.

⛳️ Requirements

• High School Diploma or Equivalent.

• At least one (1) year of experience in collecting secured or unsecured consumer loans.

• A minimum of one (1) year of experience using personal computers and word processing/spreadsheet software (MS Office Suite).

• Must be bondable.

• Excellent oral and written communication abilities.

• Strong critical thinking skills.

• Proficient in arithmetic operations, including calculating principal and interest payments based on loan terms.

• Strong telephone and negotiation skills for collections, member communication, objection handling, payment requests, and confirming arrangements.

• Basic operational understanding of financial institutions, banks, and credit unions.

• Basic knowledge of UFCU products and services.

• Basic understanding of financial terms, bankruptcy, debt collection laws, call center operations, and collection technologies.

• Familiarity with MS Office tools including Outlook, Excel, and Word.

• Ability to balance the needs of individual members with those of the broader membership.

• Capacity to work in a fast-paced, high-volume environment.

• Consistent attendance and punctuality.

• Ability to talk and type simultaneously, think on your feet, and find member contact information quickly.

• Preferred: A two- or four-year degree from an accredited college or university.

• Preferred: Two (2) years of experience collecting auto and/or real estate collateralized consumer loans.

• Preferred: Six (6) months of experience in banking and/or financial institutions.

• Preferred: Experience with loan modifications.

• Preferred: Bilingual in English and Spanish.

🏝️ Benefits

• 100% remote work opportunity.

• Part-time schedule available.

• Remote work is permitted from Texas, Idaho, Utah, Arizona, or Montana.

• Availability required Monday through Friday, and occasionally Saturdays, until 9 pm CST.

• Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.