Heritage USA Federal Credit Union is seeking a dependable, detail-oriented Credit Recovery (collections) Assistant to join our team. This position supports the credit union's collection efforts by communicating with members, maintaining accurate account documentation, assisting with delinquent accounts, and supporting credit reporting and dispute-related processes.The ideal candidate is organized, professional, comfortable having difficult conversations, and able to balance member service with the responsibility of protecting the credit union and its assets.What You'll DoAssist with monitoring and managing delinquent consumer loan and account relationshipsContact members regarding past-due accounts through phone, email, text, and other approved communication channelsWork professionally with members to understand their circumstances and identify appropriate payment solutionsDocument all collection activity, member communication, commitments, and account updates accurately and thoroughlyProcess and monitor payment arrangements and follow up on broken promises or missed paymentsAssist with credit reporting, disputes, and account researchUtilize e-OSCAR as needed for consumer credit reporting disputes and related responsibilitiesResearch account histories, loan documentation, transaction activity, and other information necessary to resolve questions or discrepanciesEscalate complex accounts, disputes, or concerns to appropriate leadershipMaintain strict confidentiality of member and credit union informationFollow all applicable credit union policies, procedures, and regulatory requirementsAssist the Credit Recovery/Collections team with administrative duties and special projects as neededWhat We're Looking ForStrong attention to detail and commitment to accurate documentationProfessional and respectful communication skills, including during challenging conversationsStrong organizational and time-management skillsAbility to manage multiple accounts, deadlines, and follow-up responsibilitiesSound judgment and willingness to escalate concerns when appropriateAbility to remain calm, professional, and solution-focusedDependable and reliable attendanceAbility to work independently while contributing to a team environmentHigh level of discretion when handling confidential financial and personal informationStrong follow-through and accountabilityQualificationsHigh school diploma or equivalent requiredPrevious collections, financial institution, lending, or related experience preferredPrevious e-OSCAR experience strongly preferredExperience with credit reporting and consumer disputes preferredStrong written and verbal communication skillsBasic computer proficiency and ability to learn financial systems and softwareFamiliarity with collection practices and applicable regulations is preferredBilingual English/Spanish is a plusPhysical RequirementsWith or without reasonable accommodation:Ability to sit or stand for extended periodsAbility to use a computer, keyboard, telephone, and standard office equipmentAbility to review account information and documentation accuratelyAbility to communicate effectively by telephone, electronically, and in personAbility to work in a professional financial institution environmentJoin the Heritage TeamAt Heritage, collections is about more than an account balance. We believe in treating our members with dignity and respect while helping them navigate difficult financial situations and protecting the long-term interests of the credit union.If you are organized, accountable, comfortable having meaningful conversations, and interested in growing your career in the financial services industry, we would love to hear from you.Heritage USA Federal Credit Union is an Equal Opportunity Employer and is committed to providing reasonable accommodations to qualified individuals with disabilities in accordance with the Americans with Disabilities Act (ADA).A background check and drug test are required in the preemployment process.