Collector

Overview : Collector

UNIFY Financial Credit Union is one of the nation's largest credit unions, and we're growing fast! We're looking for a Collector to join our Las Vegas-based team to help our Members get back on track with their auto loan payments. If you're confident on the phone, calm under pressure, and ready to make a difference in our Members' financial lives, we want to hear from you.

Location & Schedule :

This is a fully onsite role at our Las Vegas Operations Center on W. Sahara , Monday-Friday from 9AM to 6PM (PT) , with occasional rotating Saturdays .

What You'll Do :

Connect with members by phone, email, or text about their auto loan accounts

Listen with empathy, explain options, and find payment solutions that work

Navigate systems to document calls and follow up on accounts

Recommend next steps like payment plans or recovery actions

Partner with your team to meet goals-and support each other along the way

What You'll Bring :

A high school diploma or equivalent

Previous success in a Collections role within a financial institution (bank or credit union)

Confidence handling sensitive conversations professionally

A knack for solving problems and staying organized

Comfort with technology and fast-paced workdays

Why You'll Love Working Here :

At UNIFY, we foster a culture where your efforts and individuality matter and are supported, because your success is integral to the overall success of the team. As a UNIFY team member, you'll enjoy :

A clearly-defined career path, tuition reimbursement, and certified training programs to support your professional development.

A collaborative, engaging workplace.

A mission-driven, nonprofit culture, with a strong foundation of putting members first.

Summary :

The Collector position works in the Collections Department and is responsible for routine inbound or outbound collection calling processes. With managerial oversight, this role works in most stages of delinquency, and may frequently require guidance on non-routine situations. Primary responsibilities are collections, customer servicing, and other loss mitigation and recovery activities.

Location : This position works onsite daily M-F at our Las Vegas, NV Ops Center. This role is not currently eligible for remote or hybrid work.

The position pays $24hr

Responsibilities :

• Works an established list / queue of accounts. Receives calls, makes outbound calls, and sends email communications to members to discuss delinquent accounts and to make payment arrangements.
• Resolves routine billing inquiries and negotiates payment arrangements to cure delinquent accounts.
• Understands and educates members on account terms and alternate payment programs and methods.
• Navigates a computerized data entry system and other relevant applications, while staying within regulatory and compliance guidelines.
• Contacts delinquent members in order to secure payment and determine reason for delinquency.
• Analyzes credit reports, imaged documents, and collection comments on delinquent accounts.
• Initiates collection form letters to members.
• Documents and summarizes discussions regarding the member's account, using the department's collections software.
• Discusses collection strategy with team supervisor, and recommends payment plans and / or extension requests to help determine appropriate action. Proposes repossession or legal action when appropriate.
• Initiates skip trace action to obtain additional information on members. Contacts references and other lenders for additional information to determine the member's financial situation and determine location.
• Assists with incoming skip trace calls from other lenders and develops contacts for future dealings.
• Reviews and researches vehicle impound notices. Contacts storage locations and members to determine if vehicle needs to be repossessed.
• Reviews collateral accounts and works those accounts through the repossession and liquidation process.
• Ensures full compliance with UNIFY Financial Credit Union service standards, policies, and procedures; and with the Bank Secrecy Act and other relevant laws and regulations.
• Performs other duties as assigned.

Qualifications :

High school graduate or equivalent required

Previous collections experience highly-preferred

Must have a customer service focus, and excellent communication skills.

See the UNIFY Difference!

At UNIFY, we believe that each team member is a valued contributor. Through a teamwork approach, we strive to provide a positive and rewarding workplace that helps our team succeed. UNIFY provides a work environment which promotes learning, growth, and the opportunity for team members to challenge themselves.

Competitive Compensation and Excellent Benefits Package

Medical (PPO / HMO), Prescription, Dental (PPO / DMO), Vision, Life, and Short- and Long-Term Disability Insurance

Dependent and Medical Care - Flexible Spending Accounts

Vacation, Sick, Personal and Holiday Pay

401(K) Plan with employer match

Education reimbursement for approved programs

UNIFY banking privileges for you and your family

An offer of employment is conditioned upon complying with UNIFY's requirements including, but not limited to, signing a consent to conduct a background investigation.

UNIFY is proud to be a drug-free, EOE including disability / vets. For more information on UNIFY, visit us at www.unifyfcu.com