Credit Solutions Associate I

Title: Credit Solutions Assoc I - Melbourne

Job Category: Team Member

Requisition Number: CREDI003435

Full-Time

Hybrid

Locations

MELBOURNE, FL 32904, USA

BAYTREE HEADQUARTERS

8045 North Wickham Road

Melbourne, FL 32940, USA

Job Description:

At Space Coast Credit Union (SCCU), our members are at the heart of everything we do. Since 1951, we’ve been committed to delivering financial services founded on integrity and a people-first philosophy.

As a Credit Solutions Associate in our Melbourne HQ or Melbourne Operations Center, you will empower members with knowledge and provides options to bring their past due accounts current in order to preserve and safeguard the credit union from unnecessary loss. Acts as a representative of SCCU, by providing quality service for our members.

Why Join SCCU?

• Member-Focused Mission: Be part of a not-for-profit organization that reinvests in its members.
• Flexible Schedule Options: This position is Hybrid with 2 days per week required in office.
• Career Growth: We prioritize internal promotions and offer on-the-job training.

Credit Solutions Associate Key Responsibilities

• Provides solutions which will bring past due accounts current, excluding legal and bankrupt accounts, in order to keep delinquent loans to a minimum. Works all loans to include but not limited to consumer, mortgage, and business loans.
• Accepts all inbound phone calls to the department, makes payment arrangements, transfers payments, and researches past due loan problems. Sends accurate loan error corrections to the Loan Servicing Department.
• Attempts telephone contact with all past due members (including all co-makers) as presented on the predictive dialer.
• Provide the member with solutions to delinquency such as a payment plan to bring the loan current, refinance, modification, loan extension, rewrite, short sale, deed- in-lieu or other local programs that may assist them in bringing their loan current during their time of need.
• Send letters to all member(s) within established department guidelines.
• Ensures that all work (i.e., phone calls, promises to pay, updates, etc.) is thoroughly documented, using correct action and response codes on the day the action occurs, to maintain accurate records on past due accounts.

Credit Solutions Associate Requirements

• 1 to 2 years in a consumer debt collections or sales environment.  Experience with Vehicle and Mortgage Collections and Loss Mitigation preferred
• High School Diploma or equivalency required

Credit Solutions Associate Compensation

• Starting Salary: $21.63 - $22.90/hour
• Bonus Opportunity: Eligible for ONE SCCU Annual Bonus.

SCCU Benefits

• Health & Wellness: Medical, dental, and vision insurance, plus an Employee Assistance Program.
• Financial Perks: 401(k) match (5%), HSA match, and SCCU-paid insurance (short/long-term disability, life insurance).
• Education Support: Tuition reimbursement after one year of service.
• Generous Time Off: 20+ days of PTO, birthday PTO, and 11 federal holidays.
• Exclusive Discounts: Lower rates on loans, credit cards, and no fee SCCU accounts!

Work Schedule:

• Monday - Friday 8:00AM  - 7:00PM.  Saturdays on rotation 9:00AM - 3:00PM.

About SCCU

 Since 1951, Space Coast Credit Union (SCCU) has proudly served our community, growing to over 685,000 members and managing $9 billion in assets. With 67 branches spanning Florida’s east coast, we are the third-largest credit union in the state. In 2025, we expanded into Orange County to better serve the growing East Orlando market.

As a not-for-profit financial institution, SCCU is dedicated to putting our members first. Unlike traditional banks, we return profits to our members through better rates, lower fees, and enhanced services. While we offer the same financial products—like checking, savings, and loans—our focus remains on empowering our members and supporting their financial well-being. With local decision-making and a commitment to exceptional service, we strive to make a meaningful difference in the lives of those we serve.

At SCCU, we also prioritize our team members by fostering a supportive and collaborative environment that encourages career growth and development. As we continue to grow, we are seeking talented, member-focused professionals to join our team and help deliver innovative financial solutions and outstanding service.

I UNDERSTAND this application a legal document for purposes of your employment.  Upon acceptance of an offer with SCCU, I UNDERSTAND that I will be required to complete background, employment verifications, and drug screening.  I UNDERSTAND further that any misstatements or omissions in this application and pre-employment process can be considered falsification and will result in a decision not to hire me, or to discharge me if discovered after I am hired. I UNDERSTAND that the information requested regarding date of birth, race and sex is for the sole purpose of gathering the above information accurately, and will not be used to discriminate against me in violation of any law. In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification document form upon hired.

SCCU is a drug-free workplace. I understand that as a condition of my employment, I will be required to submit to any testing for the presence of drugs, and to submit to any procedure to assess my qualifications for employment.  If hired, I ALSO AGREE that if I am hired, my employment is for no definite time and may be terminated at any time without prior notice.