Collections Representative

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🚗 Michigan – Remote

🚗 Michigan – Remote

💵 $23 - $30 / hour

⏰ Full Time

🟡 Mid-level

🟠 Senior

📞 Collections

👻 Ghost score 0%

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TBA Credit Union

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 1955

🏦 Banking

💸 Finance

Banking • Finance

TBA Credit Union is a member-focused, community-rooted financial cooperative offering local banking services and consumer lending. The institution emphasizes mortgages, loans, and investment options (through a CUSO), and promotes financial literacy and community involvement under the tagline "Bank on the Plus Side. " Federally insured by the NCUA and an equal housing lender (NMLS 472280), TBA CU positions itself as a people-first bank focused on meaningful member impact and local engagement.

📋 Description

• Serve internal and external members and support TBACU’s mission to serve the community and build trusted relationships • Respond to collections-related questions through all communication channels • Monitor delinquent and overdrawn accounts and generate reports to determine corrective actions • Analyze delinquent accounts and establish courses of action to minimize financial loss • Prepare documentation for legal proceedings, bankruptcy packages, and other collection scenarios • Communicate with members by phone, in writing, or in person regarding past-due and overdrawn accounts • Determine causes and severity of delinquency and arrange partial or full payments • Participate in repossession and foreclosure actions and assist with collateral maintenance and legal disposition • Recommend and implement actions for uncollectable accounts • Maintain detailed records of member financial status, communications, and collection activity • Track loan modifications, status changes, collection updates, paid-ahead loans, and maintenance accounts • Provide account balances, loan payoffs, delinquent notices, and form letters • Monitor charged-off loans and re-file judgments, tax writs, garnishments, and other legal proceedings • Assist departments with commercial loan documents, collateral liens, insurance tracking, and collateral protection insurance processes • Provide or recommend financial counseling • Maintain knowledge of credit union products, services, policies, federal and state laws, FDCPA, bankruptcy laws, and BSA/AML requirements • Maintain member confidentiality and information security • Scan documents using the electronic filing system and meet established position expectations

🎯 Requirements

• High school diploma or equivalent required • One to two years of collections and/or lending experience preferred • Sound understanding of math applications • Excellent listening, clear verbal, and professional written communication skills • Teamwork skills • Proficiency in Windows Operating System and Microsoft Office Suite/O365 Suite • Ability to be bonded • Ability to clear credit and criminal history background check • Compliance with the U.S. Patriot Act and the Credit Union’s Bank Secrecy and OFAC Policies and Procedures • Compliance with the Gramm-Leach-Bliley Act and the Credit Union’s Information Security program • Ability to sit or stand for 2–4 hours at a time • Ability to self-manage workload, meet deadlines, solve problems, work autonomously and as part of a team, remain calm under pressure, and learn new technology

🏖️ Benefits

• Remote work environment after successfully completing position training • Training, seminars, and workshops to improve collection skills • Reasonable accommodations for individuals with disabilities