Collections Officer

Responsible for performing collection activities for various delinquent member accounts. This comprises various consumer debt obligations, real estate loans, home equity lines of credit, returned checks, negative account balances, and overlimit accounts. Reviews delinquent accounts, determines probable reasons for account status, and contacts members to resolve the delinquencies. Utilizes various dunning strategies, as circumstances require and promptly collect on delinquent accounts.

Performs various back-office tasks that may be required in the collections space. Ensures that the Credit Union's professional image is maintained.

You will be responsible for managing delinquent member accounts efficiently, professionally, and in compliance with Credit Union policies and legal requirements. Key responsibilities include reviewing delinquency reports, contacting members through phone, email, text, and other methods, working out repayment solutions, explaining possible legal actions, recommending financial counseling, and continuing collection efforts until accounts are resolved, written off, referred to bankruptcy, or assigned to an attorney.

The position also uses collection tools and techniques such as skip tracing, extensions, consolidations, repossessions, foreclosures, small claims actions, garnishments, and charge-off recommendations to minimize losses and protect the Credit Union’s interests. Strong member-service skills are essential, including calming difficult situations, maintaining professionalism, preserving confidentiality, and representing the Credit Union positively.

In addition, the role requires accurate documentation of all collection activity, ongoing communication with management and internal teams, participation in meetings, awareness of policy and legal changes, professional cross-selling of Credit Union services, and maintaining a clean, secure, and reliable work environment.

High school graduate or similar equivalent. Knowledge of collection procedures, laws, and regulations. An understanding of Credit Union loan products, policies, default clauses, and enforcement clauses. Familiarity with deposit programs, account ownership, casualty insurance, bankruptcy basics, and Small Claims Court. Accuracy and attention to detail. Strong verbal and written communication skills. Excellent telephone and public relations skills. Ability to work independently and to remain effective in stressful or difficult situations.

Proficiency with collection systems, computer applications, and standard office equipment. Basic math skills, including decimals, ratios, percentages, and graph interpretation. Strong reasoning and problem-solving ability. Ability to interpret instructions and communicate clearly with members and internal teams. Works a regular and predictable schedule.

Compensation will be based on experience, qualifications, and market alignment. The total package includes a competitive base salary, annual incentive opportunity tied to personal and organizational performance, and comprehensive benefits consistent with UCCU's commitment to its employees.

Founded in 1955 by a BYU faculty member and six colleagues with just $5 each, UCCU began on a campus stair landing with its assets kept in a cast-iron tub. Seventy years later, Utah Community Credit Union has grown into one of the nation’s fastest-growing credit unions, serving more than 185,000 members with over $3 billion in assets and a clear vision to reach $10 billion by 2033.

What has remained constant is UCCU’s founding philosophy: people helping people. As a not-for-profit, member-owned institution, UCCU is committed to helping members…