Solutions Specialist (Collector)

Are you a strong communicator who enjoys helping people work through challenging financial situations while finding practical solutions?

Advantage Credit Union is seeking a Solutions Specialist to join our Lending team. This position plays an important role in helping members resolve past-due obligations while protecting the financial interests of the credit union. The ideal candidate is compassionate but accountable, comfortable having difficult financial conversations, highly organized, and committed to consistent follow-through.

As a Solutions Specialist, you will work directly with members experiencing financial difficulties to understand their circumstances, establish appropriate payment solutions, and help them get back on track. You will also monitor delinquent accounts, recommend recovery actions when traditional collection efforts are unsuccessful, and assist with legal recovery and bankruptcy matters.

What You’ll Do

• Monitor delinquent loans and accounts and take timely collection action.
• Communicate with members and borrowers by phone and other channels to resolve past-due obligations.
• Listen to members’ circumstances and identify reasonable solutions that balance their needs with the credit union’s financial interests.
• Establish payment arrangements and resolution plans within established guidelines.
• Consistently follow up on payment commitments, arrangements, and past-due balances.
• Maintain accurate and timely documentation of member contacts and collection activity. Review account relationships, payment history, collateral, and other relevant information to determine appropriate collection strategies.
• Perform skip tracing and research when necessary to locate members or borrowers.
• Identify higher-risk or deteriorating accounts and escalate them appropriately.
• Recommend recovery actions such as repossession, legal action, foreclosure, or charge-off when appropriate.
• Assist with bankruptcy filings, legal recovery matters, repossessions, judgments, garnishments, and related documentation.
• Coordinate with attorneys, repossession vendors, collection agencies, and other recovery partners.
• Represent Advantage Credit Union in court proceedings or other legal matters when required, independently or alongside the Director of Lending.
• Work closely with the Director of Lending, Solutions Processor, and other departments to ensure collection and recovery efforts are timely, compliant, and well documented.

What we are looking for

• High school diploma or equivalent required; additional education in business, finance, or a related field preferred.
• Previous experience in collections, lending, member service, financial services, or a related field preferred.
• Credit union or financial institution experience is preferred.
• Ability to communicate professionally and confidently about past-due obligations and sensitive financial situations.
• Strong listening, negotiation, problem-solving, and decision-making skills.
• Ability to demonstrate empathy while maintaining accountability and clearly communicating expectations.
• Strong organizational skills and the ability to manage multiple accounts, deadlines, and follow-up commitments.
• Excellent attention to detail and documentation skills.
• Ability to work independently while collaborating effectively with others.
• Knowledge of collection laws, lending regulations, and recovery practices—or the ability and willingness to develop that knowledge.
• Ability to handle confidential and sensitive information professionally.

Why Join Advantage Credit Union?

At Advantage Credit Union, we believe successful collections are about more than collecting a payment—they are about understanding the situation, communicating clearly, finding workable solutions, and helping members move forward.

Our team is guided by our G.R.E.A.T. Core Values: Growth, Respect, Empathy, Accountability, and Truth. We are looking for someone who will bring those values to every member interaction, including the difficult ones.

If you are a dependable, solutions-focused professional who can balance empathy with accountability and isn't afraid to have challenging conversations, we encourage you to apply.

If you’re ready to take the next step in your career and lead with purpose, we’d love to hear from you. Submit your resume to [email protected].

Pay: From $40,269.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Disability insurance
• Employee assistance program
• Flexible spending account
• Health insurance
• Life insurance
• On-the-job training
• Opportunities for advancement
• Paid time off
• Tuition reimbursement
• Vision insurance

Work Location: In person