Collections Representative I

Collections Representative I Kitsap Credit Union is hiring a full-time hourly Collections Representative I to work hybrid out of our East Bremerton location. The Collections Representative I is responsible for identifying delinquent accounts and establishing workable means of communication with members to ensure prompt repayment of loans to minimize losses. Reports to: Accounts Control Supervisor Employment Type: Full-time, non-exempt, onsite during training, hybrid after training Working hours: Monday - Friday 8am - 5pm or 9am - 6pm, Saturday 9am - 1pm (1 Saturday about every 4 weeks) Compensation: $28.29 - $31/hour depending on experience Grade: 7BC Industry: Banking Job Functions: Collections, Billing, Repossession, Account Management Principal Accountabilities: Perform transactions and job duties consistently within standards and in accordance with the guidelines of NCUA laws and regulations and the Fair Debt Collection Act. Attend work related courses and seminars and pursue a program of self-development. Work within legal guidelines to protect the Credit Union and our Members. Ensure delinquent accounts become current by identifying problems and creating a resolution. Arrange and negotiate new payment schedules, modifications, extensions, or other workout solutions. Work independently and as a team member with ownership of collection queues. Handle a high volume of calls both inbound and outbound from members and branches. Maintain a high level of confidentiality within the accounts control function and administrative offices relative to any information received directly or indirectly at all times. Investigate and attempt to locate members that have skipped by contacting and speaking with the borrower's relatives, past employers, military agencies, Accurint software, credit reports, Allied Solutions, and other skip tracing tools. Provide status of delinquent account through effective communication, regular reporting, and accurate documentation of all collection efforts. Assist Kitsap Credit Union staff regarding bankruptcies, repossessions, delinquencies, Consumer Credit Counseling (CCCS) Programs, deceased members, legal issues, and other tasks as needed with a strong understanding of financial laws. Be able to initiate and collect all necessary data for legal suits pending legal action including but not limited to repossession replevin suits and SKIP claims. Diffuse high-tension situations confidently, effectively and professionally. Coordinate with all levels of staff. Required Qualifications and Education: High School Diploma or GED. Previous experience in collections or similar environment involving public contact via phone or call center environment. Preferred Qualifications: Previous collections experience. Previous experience diffusing difficult customer situations. Proficient in Microsoft Office applications and excellent telephone skills. Ability to prioritize responsibilities and handle multiple tasks. Ability to work independently with minimal supervision and be a team player. Ability to work effectively under pressure. Ability to work with individuals at all levels, inside and outside the credit union. Ability to exercise sound judgment and maintain confidentiality. Possess well-developed interpersonal skills essential for projecting a positive image of the credit union. Ability to make quality decisions in a timely manner. Supervisory Conditions: This position does not supervise others. Working Conditions: This position will be required to work in an office environment with moderate noise levels, and, with or without reasonable accommodation is required: Must be able to remain in a stationary position for a minimum of 75% of the time Constantly operates a computer and other office productivity machines Occasionally ascends/descends stairs Constantly positions self in work environment The person in this position frequently communicates with peers, supervisors, vendors, and employees to exchange accurate information and answer questions Must be able to detect objects at a distance On occasion will move up to 20 pounds of office objects Works in an indoor office environment but expected to attend meetings in buildings that require travel in outdoor weather conditions Please note: Kitsap Credit Union does not offer visa sponsorship for this position. Candidates must be legally authorized to work in the United States without current or future sponsorship. Our Values: Integrity: We believe in acting with honesty, trust, and respect which are at the forefront of our daily engagement. Responsibility: We believe that responsibility is holding ourselves accountable for our decisions, actions, and their outcomes. Collaboration: We believe in the power of a diverse group of people working together to achieve a united outcome. Authenticity: We believe activities in actions that demonstrate our commitment to be transparent, dependable, and genuine in every day. What We Offer: Not only are we one of the largest credit unions in Washington State, and growing, but we are also a company that cares about its employees. We back that up for our employees by offering competitive pay and a benefits package that helps support you and your family's lifestyle. We value our employees, and we strive to keep our benefits comprehensive and affordable. Some of our benefits include: Free onsite parking Annual time off and sick time accrued 11 Paid holidays 1 Personal day Medical, Dental, Vision, Short- and Long-term Disability, Life and AD&D Insurance Employee Assistance Program Choose from a PPO medical plan or a High Deductible with a Health Savings Account 3% KCU funded Safe Harbor Contribution to your 401K KCU will match up to 2% of your 401K contributions All 401K contributions are 100% vested Potential annual incentive in all roles within Kitsap Credit Union Tuition reimbursement 8 hours of paid volunteer time off Discounts on KCU's products and services Enjoy unlimited ORCA transit access through KCU for less than $45 a yearyour cost as an employee We believe in the power of belonging it's in our DNA as a not-for-profit, member-owned cooperative. Our un-bank-like structure ensures that we remain all about people: our members, our employees, and the people in the communities where we live and work. We work hard to provide a collaborative and inclusive environment where you can grow and excel in your career. We are dedicated to serving our members by providing personalized experiences, convenient access, and highly competitive products and services. But it goes much deeper than that. For more than 86 years, we have been relentless about making a positive difference in our communities. We understand that when our members and communities succeed, we all succeed, and that success can't happen without great employees. Employment is contingent upon satisfactory background checks. Kitsap Credit Union is an Equal Opportunity Employer. All qualified applicants for employment will receive consideration without regard to sex, marital status, race, color, religion, national origin, age, veteran status, disability, genetic information, or any other protected status.

Created: 2026-03-04