Late-Stage Collections Representative II

Late-Stage Collections Representative II

Full‑time Regular Administrative Cullen Street, Fort Worth, TX, US

30+ days ago Requisition

EECU is looking for a Collections Representative (Account Resolutions Representative II) that will negotiate payment arrangements, workouts, and credit counseling as appropriate to assist members with their financial obligations. Candidates should have experience in automobile, mortgage, unsecured debt, and credit card portfolio accounts.

Collect late stage (
90+ days past due
) delinquent accounts on all delinquency accounts including charge‑off accounts. Conduct skip tracing and submit accounts for repossession as required. Establish payment arrangements, provide credit counseling, set and enforce deadlines. Recommend and process loan extensions or workouts. Properly apply laws relating to debt collection, privacy and bankruptcy. Recognize internal process failures that may cause erroneous reporting of delinquency. Audit loans and explain calculations to co‑workers and members.

Support and understand deceased, bankruptcy accounts along with repossession submissions.

Ensure compliance with all Federal and State rules and regulations, including Bank Secrecy Act, Anti‑Money Laundering, Bank Bribery Act, NCUA Privacy Regulations, FCRA/FACTA and Fair Debt Collections Act. Attend initial and ongoing annual Bank Secrecy Act training.

• 3+ years collection experience in automobile, mortgage, or credit card portfolio; late‑stage preferred.
• Two years customer service experience.
• High level of understanding with deceased, bankruptcy accounts and repossessions.
• In‑depth knowledge of collection laws and general familiarity with bankruptcy laws.
• Understand Collateral Protection Insurance.
• Effective communication, conflict diffusion, and member calming skills.
• Effective negotiation of acceptable repayment arrangements.
• Ability to work a flexible schedule Monday through Saturday (couple days a week Mon‑Fri‑the shift will be until 7pm, Saturdays are 9am‑1pm).
• High School diploma or equivalent.
• Good credit history; background check including employment, criminal, and drug screening will be required.

EECU is an EOE/Vets/Disabled Employer.

We are an Equal Opportunity Employer and do not discriminate against applicants due to veterans' status or on the basis of disability.