Desert Financial Credit Union · 22 hours ago
Collector II
Phoenix, AZ
Full-time
Onsite
Entry Level
1+ years expDesert Financial Credit Union is a financial institution that specializes in collection and recovery operations. The Collector II role focuses on managing accounts in various collection queues, negotiating payments, and ensuring compliance with regulations while providing exceptional customer service.
BankingFinance
Responsibilities
Negotiates payments while evaluating the member/customer financial situation to provide solutions based on individual needs
Confirm all member information is accurate and complete
Answer inbound and outbound collection calls to provide customer/member assistance based on the status of the customer's/ member’s account(s)
Adhere to all appropriate regulations; FDCPA, state collection laws and HIPPA
Performs extensive skip tracing in order to establish contact or identify collateral location for recovery when necessary
Identify accounts that require alternate default resolutions such as repossession and recommend them for review
Identify collateral that is at risk due to its status or condition (i.e. total loss or salvage) and communicate with appropriate agents, vendors and third-party companies to determine the best course of action for the credit union
Handles certain aspects of assigning accounts for repossession upon approval, ensure updates are received/notated, and maintain communication with agents until resolution
Ensure Notice of Private Sale are sent after repossessions and collateral is transported to the auction
Work with auction vendor to review and set floor prices and ensure re-marketing data is updated in system of record upon sale
Assist in maintaining all bankruptcy queues related to auto, unsecured, and deposit accounts to ensure all required policies, procedures, and time sensitive requirements are met
Maintains appropriate communication with attorneys and trustees
Maintains up to date knowledge of all new and revised bankruptcy regulations
Collaborates, communicates, and responds to internal stakeholders, external clients/vendors and customers/ members to ensure an exceptional customer/ member experience
Provides guidance and coaching to customer/members regarding the importance of maintaining account(s) in good standing thereby reducing risk and fostering potential membership growth
Performs other job-related duties
Qualification
Required
High School Diploma or GED required
1+ years of Collections experience required
Customer Service Excellence – Ability to deliver consistent, high-quality service while maintaining professionalism and member focus required
Basic Financial Knowledge – Understanding of fundamental banking concepts, products, and their application to member needs required
Active Listening – Skill in focusing on member communication, identifying underlying needs, and demonstrating understanding required
Mid-Stage Collections Strategies – Handling mid-stage past-due accounts with advanced negotiation required
Payment Plan Structuring – Creating tailored repayment plans that align with customer financial situations required
Objection Handling – Overcoming resistance and educating customers on repayment options required
Performance Tracking – Monitoring individual KPIs and adjusting strategies accordingly required
Cross-Department Communication – Working with risk, fraud, and legal teams on complex cases required
Communicates Effectively, Nimble Learning required
Microsoft Office Suite required
Company
Desert Financial Credit Union
Desert Financial Credit Union is a credit union that offers financial solutions to members.
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Jeff Meshey
President and CEO
Jack Biggs, CFA
Senior Vice President / Chief Financial Officer
Recent News
GlobeNewswire
2026-01-20
PR Newswire
2026-01-05
2025-12-10
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