Collections Manager

Lead with Purpose. Protect Relationships. Drive Results.

Are you a strategic leader who understands that successful collections is about more than recovering dollars? Do you have a passion for balancing operational excellence, regulatory compliance, and member-focused solutions? First Commerce Credit Union is seeking an experienced and results-driven Collections Manager to lead our Collections team and help strengthen the financial well-being of our members while supporting the credit union's continued growth.

This is more than a collections leadership role. It's an opportunity to empower generations, transform communities, and lead a team dedicated to helping members navigate financial challenges with professionalism, empathy, and integrity.

What You'll Do:

As Collections Manager, you'll oversee the strategy, operations, and performance of the Collections Department while ensuring compliance with all regulatory requirements and FCCU standards. You'll:

• Lead and develop a high-performing collections team focused on delivering exceptional member service while reducing delinquency and losses.
• Direct all collection operations, including account extensions, modifications, repossessions, foreclosures, bankruptcies, loss mitigation, and recovery efforts.
• Develop and execute collection strategies that drive portfolio performance while preserving valuable member relationships.
• Analyze department performance, delinquency trends, and loss metrics to identify opportunities and improve results.
• Ensure compliance with federal and state regulations, NCUA guidelines, bankruptcy laws, and FCCU policies.
• Partner with Lending, Finance, Member Service, and executive leadership to achieve organizational goals.
• Manage third-party collection agencies, legal partners, and service providers to maximize effectiveness and recovery outcomes.
• Resolve complex member situations and operational challenges with professionalism and sound judgment.
• Prepare and present performance reports, recommendations, and strategic initiatives to senior leadership.
• Foster a culture of accountability, collaboration, continuous improvement, and service excellence.

What You Bring:

• Bachelor's degree in Business, Finance, or a related field preferred.
• Minimum of 5 years of progressively responsible collections or default management experience.
• At least 3 years of leadership experience managing teams and driving performance.
• Experience with secured and unsecured consumer lending collections; real estate and commercial loan collections experience is a plus.
• Strong understanding of collections regulations, bankruptcy processes, loss mitigation strategies, and recovery practices.
• Proven ability to analyze financial and operational data, identify trends, and implement effective solutions.
• Exceptional leadership, coaching, and employee development skills.
• Excellent communication, problem-solving, and relationship-building abilities.
• Ability to manage multiple priorities in a fast-paced, results-oriented environment.

Why First Commerce?

We're a full-service, member-owned credit union with deep roots in the community and a bold vision for the future. Our culture is built on integrity, innovation, and service excellence, and we're proud to empower our team members to grow, lead, and thrive. At First Commerce, you're not just joining a company - you're joining a cause.

What's in It for You?

We don't just talk about valuing our people - we show it. Here's what you can expect when you join our team:

• Competitive compensation that reflects your experience and impact
• Health, dental, and vision insurance to keep you and your family covered
• 401(k) with company match to help you build your future
• Generous PTO and paid holidays so you can recharge and enjoy life
• Employee assistance programs for life's unexpected moments
• Ongoing training and professional development to keep you sharp
• Clear career advancement opportunities within a growing organization
• A supportive team environment where your voice matters
• And yes - a $500 referral bonus when you help us find our next great hire!

Ready to Make an Impact?

If you're a strategic leader who can balance performance, compliance, and compassionate member service, we'd love to hear from you.

Apply today and help First Commerce continue empowering generations and transforming communities.