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Credit Union Collection Jobs in California (NOW HIRING)

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Credit Union Collection information

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 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 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 are popular job titles related to Credit Union Collection jobs in California? For Credit Union Collection jobs in California, the most frequently searched job titles are:
What job categories do people searching Credit Union Collection jobs in California look for? The top searched job categories for Credit Union Collection jobs in California are:
What cities in California are hiring for Credit Union Collection jobs? Cities in California with the most Credit Union Collection job openings:
Infographic showing various Credit Union Collection job openings in California as of August 2026, with employment types broken down into 90% Full Time, and 10% Part Time. Highlights an 92% In-person, and 8% Remote job distribution.

Full-time

Posted 26 days ago


SchoolsFirst Federal Credit Union rating

9.2

Company rating: 9.2 out of 10

Based on 14 frontline employees who took The Breakroom Quiz


Job description

We're always looking for diverse, talented, service-oriented people to join our exceptional team.
Loan Adjuster II
The pay range for this position is listed below. Our pay ranges are built to allow for candidates with various levels of skill and experience to be considered, as well as for room for growth and tenure achieved in a role over time. Typical new hire salary offers fall within the minimum to midpoint of a pay range for many candidates. Any offer extended to a candidate will be based upon their unique set of knowledge, skills, education, and experience as well as internal equity.
Pay Range:
$22.00 - $31.90
Scheduled Weekly Hours:
40
What You'll Be Doing
Collects on loans of all stages of delinquency made by the Credit Union where timely payments are not being received. Communicates with Members using advanced skills to identify the true cause of non-payment and provides a personalized options to each Member.
  • Works on all delinquency stages through inbound/out-bound calling, letters, and other approved methods, collects past due payments and/or negotiates payment arrangements or repayment plans to resolve delinquent loans or negative shares by identifying reason for delinquency and offering appropriate options to Members.
  • Documents all conversations and collections activity in collection systems. May be responsible for funding of workout loans or working collections reports, such as the available money letter report.
  • Maintains adherence to all federal and state regulations and credit union policies.
  • Performs file maintenance of delinquent accounts to reflect agreed upon collection activities. Processes adjustments to Member loans as needed, including but not limited to, due date changes, opening/closing lines of credit, closing negative accounts, and payment plan maintenance.
  • Recommends Members with delinquent accounts for work out loans, deferments, reages, reduced payments, repossession and charge-off. Refers complex situations to the appropriate resources to ensure timely resolution.
  • May provide suggestions for streamlining departmental and credit union operations. When assigned helps to complete projects and reports related to the department.
  • May perform more advanced research and analysis on accounts, may skip trace and perform asset searches.

Additional Job Functions
  • Performs other duties as assigned
  • Complies with regulatory compliance and assigned training requirements including but not limited to BSA regulations corresponding to their specific job duties. Failure to do so may result in disciplinary and other employment related actions

Qualifications
  • High School Diploma or GED required

  • 3-5 years of previous related experience required
  • Previous financial institution or credit union experience preferred

Knowledge, Skills, and Abilities
  • Knowledge of bankruptcy laws, FDCPA, TCPA and SCRA
  • Excellent verbal and written skills.
  • Uses active listening skills to determine the Member's hardship and provides appropriate solution.
  • Ability to multi-task
  • Intermediate computer and typing skills
  • Experience with inbound/outbound phone system preferred
  • Conflict resolution and negotiation skills

SchoolsFirst FCU is committed to Diverse, Equitable, and Inclusive Hiring
At SchoolsFirst FCU we are dedicated to building and growing a diverse, inclusive, and authentic Dream Team, so if you're excited about a position or wanting to make a career change but your past experience doesn't align perfectly with every qualification in the job description, we encourage you to apply anyway. Many skills are transferrable and you may be just the right candidate for the position, or for other roles we are working on.
SchoolsFirst Federal Credit Union is committed to fostering, cultivating, and preserving a culture of diversity and inclusion. SchoolsFirst FCU is an equal opportunity employer and prohibits discrimination against qualified individuals based on their status as protected veterans or individuals with disabilities and prohibits discrimination against all individuals based on their race, color, religion, sex, national origin, age, sexual orientation, gender identity or expression, political affiliation, or genetic information.
This organization participates in E-Verify.

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