Pacific Service Credit Union

Senior Collections Officer

Pacific Service Credit Union

full-time

Posted on:

Location Type: Office

Location: Concord • United States

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Salary

💰 $32 - $40 per hour

Job Level

Senior

About the role

  • Assist the Collections Manager with the review and analysis of delinquent loans and negative share accounts to provide charge-off recommendations.
  • Collect assigned delinquent loan and active charge-off accounts, including negative balance share accounts, via phone, letters, and skip tracing in accordance with credit union policies and procedures.
  • Prepare and recommend actions such as extensions, repossessions, legal suits, or foreclosures.
  • Provide timely support to members via all supported communication channels.
  • Identify and recommend opportunities to streamline or improve systems, processes, and the work environment.
  • Provide exceptional service to external and internal members in all interactions.
  • Prepare legal documents to obtain judgments and execute post-judgment collections, including filing probate forms and bankruptcy claims when applicable.
  • Document all conversations, activities, and collections actions accurately in the collections system of record.
  • Ensure adequate coverage for the department telephone line and offer mentorship to department peers.
  • Demonstrate accountable performance including attendance and punctuality, which are essential to operational success.

Requirements

  • High school diploma or equivalent, required.
  • Minimum of five (5) years of previous collection experience, required.
  • Demonstrate a thorough understanding of loan and collection policies, procedures, and processes for both loans and deposit accounts.
  • Handle high-stress situations with members professionally, efficiently resolving complaints and account discrepancies.
  • Ability to operate effectively in a high-volume, fast-paced environment while maintaining accuracy and composure.
  • Ability to assist Collection Officers and team members, providing guidance and support, as needed.
  • Possess advanced knowledge of regulatory compliance, including bankruptcy, repossession, and probate proceedings.
  • Maintain extensive knowledge of legal processes to obtain judgments and execute post-judgment remedies.
  • Excellent oral and written communication skills, required.
  • Proficient in computer programs (e.g., Microsoft Office Suite).
Benefits
  • Health insurance coverage: 100% premium employer-paid medical, dental, vision, disability and basic life insurance for full-time employees and a low monthly premium for eligible dependents.
  • 401k: Contribute 3% of your base salary to your 401k account regardless of your contribution, plus match 75% of contributions up to the first 3% of eligible compensation after your first day and up to 6% after three years of service. All employees are vested at 100% for the employer match.
  • Bonus program: Rewards employees for attaining annual organizational goals.
  • Tuition Reimbursement program for employees eligible after six months of service.
  • Recognition program for employee nominations.
  • Employee referral bonus.
  • Student Loan Repayment Assistance: Contributions toward student loans after six months of service.
  • Vacation and sick time: More than two weeks’ vacation per year, 11 paid holidays and 10 days of sick leave.
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
collections experienceloan policiescollection procedureslegal document preparationjudgment executionbankruptcy claimsrepossession processesskip tracingaccount discrepancy resolutionregulatory compliance
Soft Skills
communication skillsmentorshipproblem-solvingstress managementteam supportcustomer serviceattention to detailoperational accountabilitytime managementadaptability