Senior Collection Specialist

VACU

Senior collections specialist recovering delinquent loans for Virginia Credit Union. Handling repossessions, legal collections, negotiations, member support, and collector mentoring.

Posted 8/12/2026full-timeMidlothian • Virginia • 🇺🇸 United StatesSenior💰 $46,000 - $56,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates strong leadership and negotiation skills while managing collections processes and maintaining compliance with federal regulations. Proficient in utilizing various systems and tools to optimize account management and enhance member communication.

Highest-signal resume keywords

Leadership SkillsNegotiation SkillsLegal Collection Process KnowledgeCollections ExperienceWindows-Based Environment Proficiency

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Collections ManagementAccount Portfolio ManagementGarnishment ProcessingCharge-Off RecommendationsWorkout Request EntryCourt Documentation PreparationSkip-TracingPayment ProcessingRegulatory ComplianceProblem-Solving

Soft Skills

Effective CommunicationTeam CollaborationStress ManagementAttention to DetailMentoring and Coaching

Tools & Technologies

MiserHostlinkSTARWebXtenderFDILoan Origination SystemCredit Bureaus

Certifications & Qualifications

BSA TrainingOFAC TrainingInformation Security Training

Industry Keywords

CollectionsConsumer LendingCredit Union PoliciesDelinquency ResolutionBankruptcy Management

About the role

Key responsibilities & impact

Provide team leader support for the Collections team
Serve as the primary contact for repossessions
Approve reinstatement, recall, or redemption of repossessed vehicles
Lead the team during scheduled overtime
Post garnishment checks and prepare documentation for court cases
Review and recommend accounts for monthly charge-off
Assess accounts subject to right of offset
Manage a portfolio of discharged bankrupt accounts within legal limits
Enter workout requests in the loan origination system
Submit paperwork to release garnishments and initiate repossession, legal action, garnishment, or attorney assignment
Serve as a system tester for Collections as needed
Contact members appearing in court and negotiate resolutions
Handle escalated calls and extension requests
Perform on-the-job training, mentoring, and coaching for new collectors
Act as a resource for other credit union staff
Make decisions regarding debit-card restrictions and delinquent lines of credit or credit cards
Utilize Miser, Hostlink, STAR, WebXtender, FDI, credit bureaus, origination systems, and other skip-tracing sites
Appear as a witness in court on behalf of the Credit Union
Contact delinquent members to determine intent to pay and resolve unpaid accounts within regulatory limits
Manage account portfolios, schedule follow-ups, and maximize repayment
Minimize delinquency and loan losses while achieving Credit Union goals
Promote credit union services through needs-focused cross-selling
Document collection contacts and results accurately and professionally
Explain delinquency-resolution options by phone
Assist members experiencing financial difficulty through referrals to BALANCE or other Consumer Credit Counseling Services
Maintain knowledge of federal regulations and Credit Union policies related to collections and consumer lending
Process payments, assist with automatic-payment problems, and answer internal and external calls
Meet individual, team, and department goals
Complete required enterprise training and report risk-management policy violations
Maintain confidentiality of member and account information

Requirements

What you’ll need

High school diploma or equivalent required
Prior collection experience required
Must demonstrate leadership skills
Working knowledge of the legal collection process
Proven negotiation and follow-up skills
Must be performing at a Significant Contributor level after completing the OJT Collections Specialist I and II training program
Proficient with computers and Windows-based environments
Good keyboarding skills
Effective verbal and written communication with members
Problem-solving ability and sound judgment
Ability to handle stressful situations calmly and manage multiple priorities without direct supervision
Ability to work well in team settings
Ability to listen carefully, probe for details, and ask targeted questions
Must work required overtime and/or Saturdays as needed
Ability to sit for long periods
Ability to lift or carry objects up to 10 pounds infrequently
Must complete ongoing enterprise-level training, including BSA, OFAC, and Information Security
Must maintain confidentiality of member and credit union account information

Benefits

Comp & perks

1 week in office / 3 weeks work from home after completion of training
Training opportunities
Employee development opportunities
Work-life balance
Challenging and rewarding work environment
Teamwork and continual improvement culture