Collections Officer

RadiFi Credit Union is seeking a Collections Officer to be responsible for protecting the assets of the credit union by reducing delinquency and minimizing losses through the effective collection of past-due accounts. This position requires professional, empathetic, and solution-focused communication with members to bring accounts current, while upholding the credit union's service standards and values. Essential Functions & Responsibilities: Contact members by phone, email, text, and mail, to resolve delinquent accounts in accordance with credit union policies, procedures, and regulatory requirements. Review accounts daily, analyze repayment ability, and negotiate appropriate repayment arrangements. Educate members on payment options, account status, and financial solutions to help resolve delinquency. Maintain accurate documentation of all collection activities in the member’s account record. Recommend accounts for repossession, legal action, charge-off, or outside collection agency placement when necessary. Work collaboratively with internal departments to ensure accurate account handling and to provide a positive member experience. Stay current with collection laws, regulations (e.g., Fair Debt Collection Practices Act), and credit union policies. Participate in collection campaigns, special projects, and department initiatives to meet delinquency and recovery goals. Performs other job-related duties as assigned.