Cal Coast Credit Union · 6 days ago
Collections Specialist II
San Diego, CA
Full-time
Onsite
Entry, Mid Level
$22.68/hr - $28.34/hr
2+ years expCal Coast Credit Union is seeking a Collections Specialist II to manage the collection of seriously past due loans while minimizing financial losses. The role involves establishing payment arrangements, maintaining productivity, and providing exceptional service to credit union members.
BankingFinancial ServicesLending
Responsibilities
To effectively collect on and manage the credit union’s seriously past due loans; total loan portfolio of $451,000,000
Establish and follow up on payment arrangements to cure delinquency
Maintain a productivity level consistent with those established for the department
Maintain an “at standard” scorecard average of 85%
Performs activities to collect past due amounts on seriously delinquent loans
Works with member to determine reason for delinquency and establish payment arrangements
Determines next course of action to negotiate with member to return loan to performing status
Follows up on promises to pay and broken promises
Performs required skip tracing to locate member
Provides high quality, consistent work and documentation
Utilizes critical thinking and negotiating skills to resolve difficult situations
Initiates demand letters, field chases or attorney letters as needed
Reviews and recommends loans for repossession action or charge off
Evaluates and recommends accounts for Workout or the Member Assistance Program
Effectively handles escalated, repossession, charge off, legal or Bankrupt calls
Supports department and corporate goals and objectives
Performs other relevant and related duties, as required
Performs daily collection activities to reduce delinquency, minimize loan losses and protect credit union assets
Provides credit counseling and exceptional service to resolve difficult member situations
Analyzes, evaluates and makes recommendations to reduce delinquency
Qualification
Required
Must have working knowledge of FDCPA guidelines and practices
Experience with Microsoft Applications (Excel, Word and Outlook)
Working knowledge of business machines such as telephone systems, computers, copiers, fax machines, etc
Strong analytical, time management and organizational skills
Must have the ability to work well individually and as a member of a collections team
Excellent verbal/written communication skills; interpersonal skills, combined with flexibility and diplomacy
Ability to interface with members and credit union staff at all levels in courteous and professional manner in person or by phone
Must be self motivated and goal oriented
Ability to appear for work on time, follow direction from a supervisor, interact effectively with co-workers, understand and follow policies and procedures and accept constructive criticism
Preferred
Associate's degree or equivalent experience preferred with approximately 2-5 years of applicable collections experience
Company
Cal Coast Credit Union
California Coast Credit Union is the longest-serving financial institution in San Diego.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Todd Lane
President/CEO
Matthew Ficco
Chief Financial Officer
Recent News
2026-01-13
2026-01-12
San Diego Union-Tribune
2026-01-11
Company data provided by crunchbase