LCR Counselor

Navy Federal Credit Union

. Review and analyze information in automated collection systems to determine recovery actions .

Posted 10/9/2026full-timeUnited StatesMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit and collection principles, effectively negotiating repayment arrangements and managing delinquent loans. Proficient in maintaining automated collection systems and ensuring compliance with federal and state regulations.

Highest-signal resume keywords

Credit And Collection PrinciplesNegotiation SkillsAutomated Collection SystemsInterpersonal CommunicationRegulatory Compliance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Debt RecoveryLoan CollectionFinancial AnalysisPayment ProcessingLegal DocumentationCredit Bureau Dispute ResolutionCollateral RepossessionFinance Charge CalculationAccount ManagementOperational Policy Recommendations

Soft Skills

AssertivenessSelf-ConfidenceInitiativeTactfulnessEffective Communication

Tools & Technologies

Word Processing SoftwareSpreadsheet SoftwareAutomated Collection Systems

Industry Keywords

Delinquent LoansNFCU PoliciesFederal RegulationsState RegulationsDoD Directives

About the role

Key responsibilities & impact

Review and analyze information in automated collection systems to determine recovery actions
Determine reasons for non-payment and establish equitable repayment arrangements with debtors and co-makers
Counsel, advise, and assist debtors and co-makers with their financial affairs
Negotiate repayment arrangements
Correspond with debtors and provide information for collection correspondence
Follow up on broken payment promises
Locate debtor assets and retain attorneys to obtain court judgments and effect recovery
Track legal accounts and maintain collection attorney lists
Recommend collateral repossession, title release, and lien release
Approve fund seizures and settlement offers within authorized limits or recommend alternatives to management
Maintain chronological records and update automated collection systems
Resolve credit bureau disputes and assign or recall accounts from collection agencies
Review payments and calculate finance charges, collection costs, attorney fees, and balance waivers
Assist branches with balancing collection systems and charged-off account general ledgers
Monitor federal and state regulations and DoD directives
Identify charged-off loan trends and recommend lending policy and operational changes
Act as Custodian of the Records, sign affidavits, and appear as a witness in courts throughout the United States
Perform other duties as assigned

Requirements

What you’ll need

Significant years of experience obtained in the collection of delinquent loans
Ability to independently apply credit and collection principles and practices to collect charged off loans, including enforced collection
Ability to quickly read, comprehend and analyze written material
Ability to exercise assertiveness, self-confidence and initiative
Ability to deal tactfully and effectively with individuals in difficult situations
Thorough knowledge of credit and collection laws
Effective interpersonal, verbal and written communication skills
Computer skills including familiarity with word processing and spreadsheet software
Monday–Friday availability, 9:00 AM–5:30 PM CST
Thorough knowledge of NFCU policies, practices and procedures (desired)
Familiarity with NFCU automated collection systems (desired)

Benefits

Comp & perks

Highly competitive pay
Generous benefits and perks
Equal employment opportunity
Application accommodations for qualifying conditions