Financial Assistance Representative ; Collections Representative

Financial Assistance Representative I

Redwood Credit Union (RCU) is seeking a Financial Assistance Representative I to perform a wide variety of routine duties that require discretion, initiative, judgment, and independent analysis.

At Redwood Credit Union, our mission is to passionately serve the best interests of our Members and communities. Since 1950, we have supported the financial well‑being of our Members through better rates, low or no fees, and best‑in‑class customer service.

• Contact members with delinquent loans, late accounts, and Visa accounts to arrange payments, assess account status, and restore services.
• Handle inbound and outbound calls while adhering to compliance and member information security protocols.
• Deliver exceptional service to members and internal departments, making sound decisions and escalating issues when necessary.
• Perform skip‑tracing and support delinquent members by processing payments, extensions, and workout loans.
• Recommend accounts for repossession and assist Collateral Recovery Officers with documentation and follow‑up.
• Support bankruptcy and deceased member account processes as assigned.
• Assist in processing requests to charge off uncollectible accounts.
• Complete departmental and back‑office tasks including typing, routine letters and documents.
• Assist in preparing documents needed for legal action against members and support the bankruptcy process.
• Prepare periodic specialty reports or balance department related general ledger accounts.
• Serve non‑delinquent members by accepting phone payments, processing extension requests and workout loans.

• High school diploma or equivalent with a minimum of three years of collections experience.
• Knowledge of Fair Debt Collection Act, federal and state laws, rules and regulations concerning credit union collection activities.
• Comprehensive knowledge of the repossession process.
• Understanding of call‑center environment and skip‑tracing, small claims, and bankruptcies.
• Knowledge of insurance (collateral and disability) as it pertains to collection of delinquent accounts.
• Skill in using a personal computer with Internet, intranet, word processing and spreadsheet software.
• Ability to provide quality professional service to all members, keep confidential information safe, and measure performance in a productivity‑driven environment.
• Excellent verbal and written communication skills.
• Ability to work in a rotating schedule including Saturdays.

Base salary range: $26.00–$34.00 per hour, commensurate with experience. A competitive total rewards package is included.

• Competitive medical, dental, and vision insurance; mental health offerings.
• Employee performance incentive plan.
• Merit‑based salary advancement.
• 401(k) program with employer match.
• Competitive PTO accrual, 11 paid company holidays and birthday off.
• Employee discounts: 0.75% off standard collateral auto loans; 1% off recreational or boat loans; 2% off Visa and LOC loans through RCU.
• 0% interest loans for immigration and naturalization expenses up to $1,000 and $15,000 respectively.
• 0% interest loan for garment, fitness or home office equipment up to $500.
• 100% financing for employee‑purchased homes.

• Ability to stand, bend, stoop, sit, walk, twist and turn.
• Ability to lift up to 20 pounds occasionally.
• Ability to use a computer keyboard and calculator.
• Work environment is indoors; majority of time spent sitting at a desk.

Redwood Credit Union is an Equal Opportunity Employer. We may use artificial intelligence tools to support parts of the hiring process, but final hiring decisions are made by humans. RCU is not offering Visa transfers and/or sponsor ships for this position. For more information about data processing, contact us at