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Credit Union Collection information

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How much do credit union collection jobs pay per hour?

As of Sep 2, 2026, the average hourly pay for credit union collection in the United States is $23.00, according to ZipRecruiter salary data. Most workers in this role earn between $18.03 and $28.61 per hour, depending on experience, location, and employer.

What is a credit union collection specialist?

Credit Union Collection jobs focus on managing and recovering overdue accounts for a credit union. Professionals in this role contact members with delinquent loans or accounts, negotiate payment arrangements, and help resolve financial difficulties. They also maintain accurate records, follow regulatory guidelines, and work to minimize losses for the credit union. Strong communication and problem-solving skills are essential, as the role often requires balancing member service with effective debt recovery.

What are the key skills and qualifications needed to thrive as a credit union collection specialist?

To thrive as a Credit Union Collection Specialist, you need a strong understanding of loan servicing, debt collection laws, and financial regulations, typically supported by experience in banking or collections. Familiarity with collections management software, credit reporting systems, and relevant certifications such as the Certified Collection Professional (CCP) is often required. Excellent negotiation, problem-solving, and communication skills help build rapport with members and resolve delinquent accounts effectively. These skills are vital to minimize financial losses, maintain member relationships, and ensure regulatory compliance in the credit union environment.

What are some common challenges faced by credit union collection specialists, and how are they typically addressed?

Credit union collection specialists often encounter challenges such as dealing with members experiencing financial hardship, handling sensitive conversations about overdue payments, and navigating regulatory requirements unique to credit unions. To address these challenges, specialists receive training in empathetic communication, work closely with loan officers and member service teams, and use specialized software to track delinquencies and compliance. Open communication and a supportive team environment help ensure members are treated fairly while protecting the credit union’s interests.

What is the difference between Credit Union Collection vs Credit Union Loan Officer?

AspectCredit Union CollectionCredit Union Loan Officer
Primary RoleManaging overdue accounts and recovering unpaid loansAssessing loan applications and approving loans
Required CredentialsKnowledge of collections processes, sometimes relevant certificationsFinancial certifications or relevant experience often preferred
Work EnvironmentCollections department, often in office settingsBranch or office, interacting with members and applicants
Employer & Industry UsageCredit unions, financial servicesCredit unions, banking industry

While both roles operate within credit unions, a Credit Union Collection focuses on recovering overdue loans, whereas a Credit Union Loan Officer evaluates and approves new loans. They require different skill sets but are both essential to credit union operations.

What cities are hiring for Credit Union Collection jobs?

Cities with the most Credit Union Collection job openings:

What states have the most Credit Union Collection jobs?

States with the most job openings for Credit Union Collection jobs include:

What job categories do people searching Credit Union Collection jobs look for?

The top searched job categories for Credit Union Collection jobs are:

Credit Union Collection jobs near you
Infographic showing various Credit Union Collection job openings in the United States as of August 2026, with employment types broken down into 1% Internship, 83% Full Time, and 16% Part Time. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $47,832 per year, or $23 per hour.

Credit Solution Representative I

ELGA Credit Union

Grand Blanc, MI • On-site

Full-time

Posted 5 days ago

Job description

ELGA Credit Union
Credit Solution Representative I
Department: Credit Solutions Department
Reports To: Collection Manager
Classification: Non-Exempt
Supervises Direct: 0
Supervises Indirect: 0
Role:
To preserve the credit union's assets by working delinquent accounts, collecting delinquent loan payments and assisting other collectors with their individual collection queues.
Essential Functions & Responsibilities:
50% - Contacts early delinquent accounts (under 30 days), utilizing all points of contact and takes appropriate action to bring member loans current.
30% - Monitors Credit Solutions support room and offers support to call center and front-line staff. Takes payments and process Fresh Start loans when needed.
10% - Analyzes financial situation of delinquent borrowers and works with members to come up with solutions to bring past-due accounts current.
5% - Works with management to identify early-stage delinquency concerns and focuses on those individual accounts to prevent long-term delinquency issues.
5% - Informs management of trends in loan underwriting and account opening which may be contributing to delinquency and charged-off loans.
Performance Measurements:
1. To take full responsibility for your own success with no excuses.
2. To set and achieve daily goals to maximize your collection efforts and to maintain accurate and complete records of all activity in collection software program.
3. To maximize the collection and/or recovery of credit union assets from delinquent accounts by learning all that you can about each member under your care and building a relationship with them that makes them want to pay us back.
4. To ensure that all collection activity is within the law and follows credit union policy. Utilize every legal avenue to convince the member to pay us on a consistent basis to avoid long term delinquency and/or charge-off.
5. To keep management informed of operational issues affecting the credit union's collection activities by actively participating in discussions of ideas to minimize delinquency, repossessions and charge-offs.
6. To provide informed, friendly, professional, personal service to all members and associates by making eye contact and using their name, smiling while listening, responding as though they are the only one in your world at that time, and working with members to find the correct solutions to the problem causing them to become past due.
7. To meet established expectations of ELGA's Core Factors including but not limited to Accountability, Attitude, Communication, Competence, Continuous Improvement & Innovation and Relationship Building.
Knowledge and Skills:
Experience: Two years to five years of similar or related experience preferred (Contact Center and or Collections included), but not required.
Education: A high school education or GED.
Interpersonal Skills: Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.
Other Skills: Must have good communication skills. 10-key calculator, typewriter, and keyboard skills. Microsoft Word and Excel proficient.
This Job Description is not a complete statement of all duties and responsibilities comprising the position.

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