Sr Payment Solutions Specialist 1

At Summit Credit Union, we understand that when members fall behind on payments, they need solutions, guidance, and support—not just collections.

As a Payment Solutions Specialist, you’ll play a critical role in helping members regain financial stability while protecting the credit union’s assets. Through thoughtful problem-solving, strong compliance practices, and collaborative efforts, your work supports both member success and organizational risk management.

What You’ll Do (Your Impact)

• Manage delinquent accounts by evaluating account status, identifying root causes of delinquency, and determining appropriate resolution strategies.
• Work directly with members to bring accounts current, offering education and guidance on available programs and financial solutions.
• Execute collection activities across consumer, mortgage, and business loan portfolios, including legal actions when necessary.
• Collaborate with third-party vendors such as attorneys, auction houses, and agencies to resolve accounts effectively.
• Ensure all collection efforts, documentation, and account actions meet regulatory and internal compliance requirements.
• Investigate and resolve escalated or complex member issues with accuracy, professionalism, and care.
• Recover funds efficiently while balancing member experience and organizational risk.
• Analyze delinquency trends and reporting to ensure accuracy and identify opportunities for improvement.
• Support the payment solutions team by sharing knowledge, best practices, and advanced collection expertise.

What You Bring

• Associate degree or equivalent work experience in a related field.
• Minimum of three years of experience in a high-volume collections and/or loan servicing environment.
• Strong understanding of collection systems, loan documentation, deposit accounts, insurance programs, and return items.
• Knowledge of legal processes related to collections, including consumer loans, mortgages, business loans, bankruptcy, and motor vehicle actions.
• Ability to obtain a Nationwide Mortgage Licensing System (NMLS) number.
• Excellent verbal, written, and negotiation skills with the ability to handle sensitive situations professionally.
• Strong analytical, organizational, and problem-solving skills with sound judgment.
• High attention to detail and ability to manage multiple priorities independently.
• Advanced proficiency in Microsoft Excel and working knowledge of Word, Outlook, and database systems.
• A collaborative, team-oriented mindset with a commitment to shared success.

Why You’ll Love Working Here

• A meaningful role where you directly help members overcome financial challenges and regain stability.
• Opportunities to collaborate with experienced, supportive colleagues and external partners.
• A culture that values accountability, expertise, and member-focused solutions.

Additional Details

Physical Demands

While performing the duties of this position, the employee is required to sit, stand, walk, and use hands and fingers. The employee may occasionally reach above and below shoulder level and lift, push, pull, and/or carry up to 10 pounds.

Environmental/Working Conditions

Work is performed in a typical administrative setting with climate control and appropriate lighting. Travel to branches may require exposure to outdoor and traffic conditions.

Equipment Used

A variety of office equipment, including telephone, printer, PC, and mobile devices.

Our Commitment

At Summit Credit Union, we are committed to providing Equal Employment Opportunity regardless of race, color, religion, sex, age, national origin, disability, military and veteran status, sexual orientation, gender identity, marital status, or any other characteristic protected by local, state, or federal law.
We embrace diversity and believe that inclusion is critical to our success as a credit union. Different makes us better. Employment decisions are made based on qualifications, merit, and business need.

Ready to Make an Impact?

If you’re passionate about helping members navigate financial challenges, resolving complex situations, and making a meaningful difference—we’d love to meet you.