Skip Tracing Specialist - Collections

We’re in the financial services industry, but we’re not a bank. We’re in the “people” business. Inspired by the credit union philosophy of “people helping people,” we’ve developed a strong and growing tradition of investing in our employees, our members, and our community.

OnPoint is the largest community owned credit union in Oregon – and we’re growing! Our growth provides great opportunities for you to reach your personal and professional goals. We value enthusiasm, commitment to outstanding performance, and providing opportunities to truly make a difference. If you are looking to join a team of dedicated, collaborative, and passionate individuals, OnPoint is looking for our next Skip Tracing Specialist. We invite you to explore and grow your career with us!

JOB SUMMARY:
The Collections Skip Tracing Specialist locates hard-to-reach borrowers with delinquent accounts and supports late-stage collection and recovery efforts through detailed investigative research. This role helps mitigate loss by identifying current contact information, researching high-risk accounts, and accelerating resolution. The position requires strong analytical skills, persistence, attention to detail, and the ability to manage sensitive information in a confidential and compliant manner. The specialist leverages advanced investigative tools, public databases, and industry platforms to support final resolution stages, with a focus on high-value collateral and significant outstanding balances, and collaborates with the Fraud department when necessary.

ESSENTIAL FUNCTIONS:

• Conduct skip tracing using public records, proprietary databases, credit bureaus, and other investigative tools to locate members/debtors.
• Research and verify personal identifiers, addresses, place of employment, phone numbers, and third-party contacts for members with delinquent accounts.
• Collaborate with collection specialists to provide updated location and contact information found through the skip-tracing process.
• Document findings, actions, and results in the collections system accurately and in real time.
• Maintain strict compliance with FDCPA, GLBA, FCRA, CFPB and other federal/state regulations.
• Handle sensitive data in accordance with organizational policies and confidentiality standards.
• Work late stage and recovery queues to identify accounts requiring skip tracing intervention.
• Recommend strategies for hard-to-locate accounts and escalation paths when needed.
• Support outbound collection efforts through timely and accurate investigative results, collecting on accounts once members have been located.
• Collaborate with the Fraud department if information is found that suggests a potential fraud concern
• Additional projects, responsibilities, or other duties assigned.

KNOWLEDGE, SKILLS & COMPETENCIES:

• Strong understanding of collections, recovery processes, and late-stage delinquency workflows
• Thorough understanding of fraud indicators and patterns in financial services
• Investigative mindset with a high attention to detail
• Excellent analytical and creative problem-solving abilities
• Strong written and verbal communication skills for coordination and thorough documentation
• Demonstrates resilience in researching difficult-to-locate individuals through persistence and resourcefulness
• Ability to maintain high levels of confidentiality & compliance
• Strong time management & prioritization skills to identify and prioritize high-value or high-risk accounts to OnPoint
• Ability to partner effectively with Collections, Recovery, and Fraud teams

MIN QUALIFICATIONS:

• High School diploma or equivalent required
• 4 years of experience in a financial institution required
• 3 years of experience in Collections required
• Prior experience using investigative databases and online research tools.
• Working knowledge of FDCPA, FCRA, UDAAP, and other consumer protection regulations.

PREFERRED QUALIFICATIONS:

• 2 years of experience in skip tracing, investigations, or related field preferred
• Experience in auto finance, financial services, or asset recovery strongly preferred
• Certifications related to collections, credit management, or financial services preferred, such as Certified Credit and Collection Professional (CCCP), Certified Collection Professional (CCP), or similar
• High attention to detail and accuracy in documentation.
• Ability to work independently in a fast-paced, metrics-driven environment.

OnPoint employees are rewarded, acknowledged and appreciated! We take care of our Members, and OnPoint takes care of us by offering employees a generous vacation package, incentives, competitive hourly pay, 100% - paid employee medical, dental and vision premiums, Tri-Met / parking passes, 401k matching, tuition reimbursement and more!

At OnPoint, we believe a workplace that reflects the richness of the world fosters a welcoming and empowering environment for everyone. We're committed to equity and inclusion, and consider all qualified applicants embracing every race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and your unique background.

We encourage you to apply if you're passionate about this opportunity and have the core qualifications. Your unique experiences and skills are what make you a strong candidate. Don’t let imposter syndrome hold you back! Our recruitment process is designed to be inclusive and accessible to all. If you need any accommodation(s) during the application or interview stage, please let us know. We're dedicated to providing what's necessary to ensure a fair and inclusive experience.