Collections Representative

2026 Pay Scale: $25.75-$33.50

2025 Pay Scale: $25.25-$32.50

Please note, at the time of offer, your pay rate will be determined from the pay scale of your start date. For example, if your start date is in 2025, your offer will be from the 2025 pay scale shown above.

Nurture talent, fuel growth and embrace the TEAL! SDCCU’s compensation philosophy is focused on ensuring employees are paid fairly and equitably without regard to race, sex, age, national origin, color, religion, or mental or physical disability. It is also our intent that our compensation program helps to attract, retain, and recognize individual contributions.

Position Summary:

The position of Collections Representative is established for the collection of payment of loans issued by the credit union which have become delinquent. Maintain quality service standards set by the organization.

Minimum Qualifications (Education, Experience, Skills)

• High school diploma or equivalent.
• Minimum two years Collections experience in a financial institution; collecting on secured and unsecured accounts preferred. If financial institution experience is outside of a Collections Department, may consider an internal SDCCU employee with a demonstrated high level of critical thinking, consistently meeting deadlines, delivering quality work and a willingness to train and learn high level Collections functions.
• Working knowledge of bankruptcy and legal procedures, dealing with delinquency control, collection procedures and skip tracing experience preferred.
• Understanding of repossession procedures preferred.
• On-line collection system experience preferred.
• Effective communication skills, written and oral.
• Ability to work effectively under pressure.
• Proficient PC skills to include Word & Excel.

Essential Duties and Responsibilities

• Responsible for the collection of payments of delinquent loans.
• Work daily queue efficiently and effectively to facilitate contact with members to determine the reason(s) for delinquencies and assist in the development of a plan to bring their account/loan current, i.e. workouts, extensions, payment plans, etc.
• Review credit reports on members overall payment history to determine probable outcome of loans.
• Expire and revoke credit cards and lines of credit when necessary.
• Review, create and submit files on collateral that should be repossessed.
• Research member accounts when notified by member that the delinquency is due to an error; correct or reconstruct accounts as necessary.
• Post loan payments and give overrides to branch personnel to rectify account status.
• Skip-trace members when necessary.
• Contact members regarding accounts with overdrawn ATM activity, loan payments or deposits returned NSF.
• Recommend members for financial counseling.
• Prepare charge-off documentation to submit loans for charge-off to management.

Other Duties and Responsibilities

• Perform other duties as assigned.
• Participate in AML/BSA compliance training as assigned. Adhere to credit union AML/BSA policy and procedures including CTR rules and form preparation, identify and refer suspicious activity to the Compliance Department, perform OFAC comparisons, and properly identify individuals in accordance with Branch Operations procedures.

Physical Demands and Work Environment

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to use hands to finger, handle, or feel objects, tools, or controls and talk or hear. The employee is frequently required to stand and reach with hands and arms. The employee is occasionally required to walk; sit; climb or balance; and stoop, kneel, crouch, or crawl.

The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.

The noise level in the work environment is usually moderate.