Collections Officer

Collections Officer

Job Category: Staff Requisition Number: COLLE003264

Posted: March 31, 2026

Full-Time

Location: Allen, TX 75013, USA

Description

Position Purpose and Objectives

The Collection Officer is responsible for assisting members with resolving their loan delinquency, and/or other account issues affecting loan repayment. This role requires daily phone calls, processing payments, skip tracing duties, examining delinquent loans, making recommendations for extensions, due date changes, refinancing, and repossessions. The objective is to reduce delinquency and charge off loans, leases and credit cards while providing exceptional member service with each contact made.

Major Duties and Essential Functions

1. Make/receive collection calls on behalf of the credit union, regarding past due accounts.
2. Make suitable payment arrangements with members to bring accounts current in a timely manner.
3. Documents all conversations and actions accurately in the collections database.
4. Skip tracing through available sources to locate members.
5. Providing assistance when available to past due members.

Positions directly supervised: N/A

Specific knowledge, skills, and abilities required for this position:

• Must be willing to work until 7PM and two Saturdays a month.
• Must have a working knowledge of collection regulations.
• Must have a positive attitude, be open-minded and flexible enough to work in any given situation a member may present.
• Strong computer and technology skills.

Education: High school diploma or general education degree (GED) and one to two years related experience and/or training.

Experience: Minimum 2 years or more of similar or related experience.

Physical Activities and Requirements of this Position

• Finger Dexterity - Using primarily just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together.
• Grasping - Using fingers and palm on an object.
• Talking - Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.
• Repetitive Motions - Movements frequently and regularly required using the wrists, hands, and/or fingers.
• Average Hearing - Able to hear average or normal conversations and receive ordinary information.
• Average Visual Abilities - Average, ordinary, visual acuity necessary to prepare or inspect documents or products or operate machinery.
• Sedentary Work - While performing the duties of this job, the employee will frequently talk or hear, sit, use hands to handle or feel, and reach with hands or arms. The employee will occasionally stand and walk, climb or balance, and stoup, kneel, crouch, or crawl. The employee will occasionally lift and move up to 10 pounds.

Working Conditions of this Position

• None. No hazardous or significantly unpleasant conditions.
• Reasoning Ability: The ability to use common sense or logic.
• Detailed - Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
• Mathematical Ability: The level of ability required to perform math skills and operations.
• Basic - Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.
• Language Ability: The level of ability required to communicate and understand written and oral language.
• Typical - Ability to use passive vocabulary of 7,000-9,000 words; read at a fast-paced rate; and define unfamiliar words in dictionaries for meaning, spelling, and pronunciation. Ability to write moderate to complex documents. Ability to communicate in complex sentences, using normal word order with present and past tenses and strong vocabulary. Ability to read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents. Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community. Ability to write speeches and articles for publication that conform to prescribed style and format. Ability to effectively present information to top management, public groups, and/or boards of directors.

Compliance requirement

The responsibilities contained within this job description remains compliant with Bank Secrecy Act / Anti-Money Laundering, Office of Foreign Assets Control and USA PATRIOT Act as they apply to the duties of the position

Disclaimer

The information in this job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job, which may vary on the department or the assignment. The actual essential duties, responsibilities and qualifications may vary by department, reporting structure and other business needs. No inference should be drawn that a specific job duty, responsibility or qualification is non-essential by its absence from this description.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.