Collections Representative I (Lawrence, MA)
Company: BrightBridge Credit Union
Location: Lawrence
Posted on: January 18, 2026
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Job Description:
Job Description Job Description Join Our Team as a Collections
Representative I Location: Lawrence, MA | Full-Time Are you skilled
at problem-solving and passionate about helping members find
solutions to financial challenges? BrightBridge is looking for a
bi-lingual Collections Representative I to join our team. In this
role, you’ll work with members to resolve delinquent accounts while
ensuring compliance with state and federal regulations. Your
efforts will help protect the Credit Union’s financial health while
maintaining positive member relationships. Why You’ll Love Working
Here A collaborative team culture where your contributions matter
Ongoing training and career development opportunities Competitive
pay, benefits, and the chance to grow with a supportive
organization The satisfaction of making a real difference in your
community every day What You'll Be Doing (Your Responsibilities)
Reviews and documents status of accounts and initiates telephone
contact on delinquent loans. Research accounts on the delinquent
loan reports to ensure Credit Union errors are detected promptly
and corrected. Prepares correspondence on delinquent accounts
requiring special handling including contacting members by USPS
mail, certified or email. Answers incoming member or member-related
contacts (phone calls, emails, etc.), work Collection queues and
make outbound member calls. Utilize Collections system to document
accurately. Conducts skip tracing as necessary to obtain contact
information to contact delinquent/defaulted members. Establishes
and monitors payment plans whenever possible. Makes effective use
of collection tools and delinquent loans activity reports.
Determines reasons for delinquencies and works towards permanent
solutions and minimizes losses by early actions. Maintains strict
adherence and compliance to all laws, rules, regulations, policies,
procedures, and internal controls specific to the job functions.
Exercises appropriate telephone etiquette, reviews accounts for
possible rewrite or temporary modification. Revokes ATM/Debit cards
and places and removes holds on accounts. Follows detailed and
standardized procedures in performing routine collection operations
and performs a variety of support duties related to the collection
function. Works with all departments to ensure collection problems
are resolved in a timely manner. Participates in department
projects. Researches and addresses credit reporting disputes either
direct from members or through e-Oscar and maintains dispute logs
as needed. Recommends accounts for charge off and legal action.
Sends accounts to outside collection agencies and/or attorneys as
directed by supervisor. 13. Performs additional duties as
requested. What We’re Looking For (Your Qualifications) High school
education or equivalent is required. Previous experience in a call
center and/or financial institution preferred. Excellent telephone
and communication skills required. Minimum of two to three years of
recent and progressive experience in consumer or mortgage
collections in a financial institution preferred. Experience
successfully utilizing various computer programs including MS
Office. Demonstrated written/verbal communications skill essential,
with the ability to handle difficult situations with sensitivity
and objectivity. Bilingual preferred
Keywords: BrightBridge Credit Union, Haverhill , Collections Representative I (Lawrence, MA), Accounting, Auditing , Lawrence, Massachusetts
