TruEnergy Federal Credit Union, a $126+ million financial institution in Springfield, Virginia, is seeking a seasoned Collections Specialist to join our team. This role is critical to managing and reducing delinquency across multiple account types while maintaining a member-focused, solution-driven approach.

The ideal candidate will have at least 5 years of collections experience in a credit union or banking environment, with a strong working knowledge of Chapter 7 & 13 bankruptcy, repossessions, and compliance with TCPA, FDCPA, FCRA, and UCC laws. Familiarity with FISERV systems, skip tracing tools, and modern collection technology is essential.

We’re looking for a proactive professional who can balance risk management with compassionate member support, handle complex situations with professionalism, and work closely with leadership to develop effective collection strategies.

Responsibilities:

• Communicate with members via telephone and written correspondence for delinquent loans/accounts on a daily basis
• Manage delinquent auto, consumer, credit card, and negative share accounts, making early contact to understand member hardship, and negotiate resolutions or repayment plans.
• Process Chapter 7 & 13 bankruptcy accounts, track status updates, enforce lien recovery post-discharge when allowed, and file proofs of claim when required.
• Compliance with state and federal collection regulations, including the Fair Debt Collection Practices Act (FDCPA).
• Apply UCC guidelines appropriately for secured loans—filing and enforcing UCC‑1 liens when applicable.
• Use collection platforms to document communication, track activity.
• Leverage skip tracing tools and collection technology to locate members and resolve accounts efficiently.
• Identify potential legal or repo actions, coordinate with external vendors and attorneys, and manage repossession processes when needed.
•  Monitor and report delinquency trends to leadership
• Conduct financial counseling and offer loss mitigation solutions empathetically, balancing member support and risk management.
• Adhere to internal policies, BSA/AML/OFAC, and ethical collection standards.
• Generate and manage collection-related reports and dashboards for departmental reviews.

Requirements:

• Minimum 5 years of collections experience in a credit union or bank setting.
• Knowledge of Chapter 7 & 13 bankruptcy, TCPA, FDCPA, FCRA, UCC, and UDAAP regulations.
• Proficient in handling credit reporting disputes through E-Oscar
• Experience with call recording systems, dialer technology, and skip tracing tools.
• Strong verbal and written communication skills, attention to detail, and ethical decision-making.
• Ability to handle contentious situations calmly and professionally.
• Knowledge of repossession practices and regulations
• High school diploma or equivalent (GED) required
• Strong verbal phone skills, works well without supervision, and a quick learner.
• PC proficient including Microsoft Word, Excel, and Power point
• Ability to function in a financial institution branch environment and utilize standard office equipment including but not limited to: CRT, PC, fax, copier, telephone, postage machine, etc.

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Employee discount
• Health insurance
• Life insurance
• Opportunities for advancement
• Paid sick time
• Paid time off
• Parental leave
• Vision insurance

Ability to Relocate:

• Springfield, VA 22151: Relocate before starting work (Required)

Work Location: In person