AmeriCU is more than a credit union—we’re a community. Our mission is to build connections and provide members with the financial tools to live life, dream big, and achieve success. We believe in doing the right thing and supporting our team every step of the way. For 75 years we have been committed to our members, our employees, and our communities. In 2025, we were once again recognized as one of the Best Companies to Work for in New York State and recognized by American Banker as one of the best credit unions in the United States to work for, ranking 38th nationwide!

PURPOSE:

Consistent with the credit union mission of building connections and providing our members the right financial services to live life, dream big and achieve financial success, the Member Solution Advocate will:

Support the administration and operation of Credit Solutions policies and programs that support and further the strategic goals and objectives of the Credit Union. Work collaboratively to maintain efficient, professional procedures to achieve the daily workflow, in compliance with all regulations and standards.
The Member Solution Specialist's role is to reduce delinquencies/charge off to the lowest possible percentage of outstanding loans. The Member Solution Specialist must ensure that all assigned delinquent accounts are reviewed and contacted as outlined by the collection schedule to minimize the financial risk to the credit union. All work is subject to review and/or audit on a no-notice basis by the Supervisor, Management, Senior Management and/or Internal/External Auditors.

What You’ll Do:

As a Member Solutions Advocate your primary responsibilities will include:

Handling several areas of collection assigned to the Loan Workout and Recovery Department
Contacting and counseling delinquent members via telephone, mail, or email
Maintaining detailed documentation of all communication and actions taken
Reviewing and assigning accounts for repossessions
Reviewing proposals from Credit Counseling agencies
Maintaining databases and spreadsheets for analysis and tracking
Recommend accounts for legal action when necessary

Additional duties specific to the assigned area (Credit Cards, Mortgages, Member Privilege) may include:

Credit Card or Member Privilege Charge Off Preparation, processing, and reporting
Reviewing fair share invoices from credit counseling services
Recommend accounts for charge off
Contacting members with negative shares or returned checks

Key Skills:

Experience in collections
Strong communication skills
Ability to handle multiple tasks
Knowledge of credit card, mortgage, and member privilege collections
Proficiency in Microsoft Office Suite
Demonstrate competence in call fundamentals and effective interviewing skills
Read and understand a Credit Bureau report
Knowledge of Credit Union specific products

Come grow with us!

Whether you are just starting out or have been working in your field already, we offer opportunities for growth and advancement. It is our goal to hire employees who will provide exceptional service to our members and who value giving back and supporting the communities we serve. In addition, we offer the following benefits:

Competitive rates on our Medical, Dental and Vision plans

Generous contribution to your Health Savings Account, if you choose to enroll in one of AmeriCU’s High Deductible Health plans

Paid Holidays

Paid Time off

Employee Appreciation Events

401(k) Matching after 1 year of employment

Employee Assistance Program

Tuition Reimbursement for Full-time employees after 1 year of employment

Life Insurance & Accidental Death & Dismemberment Insurance, free to all Full-time employees

Enhanced Short Term Disability – at no cost to you!

Get to know us more by clicking on the links below. See why YOU should choose AmeriCU!

https://www.americu.org/in-our-community/