POSITION SUMMARY:
The primary function of the Collection Representative is to protect the assets of the credit union while lowering delinquencies. To follow collection treatment guidelines and assist members with their financial needs. Meet or exceed goals and expectations established by management.
ESSENTIAL POSITION FUNCTIONS:
Contacts members and co-makers by telephone and written correspondence to collect delinquent loan payments.
Engages in multiple tasks such as negotiating payment arrangements, assign
NCC field call representatives to members' home address, skip tracing to locate employment/assets, research closed accounts, calculation of interest, and maintenance, verify employment, property and death certificates, recover offline accounts and file legal and important documents in members' folder
Responsible for legal remedies such as lawsuits/claims and delivery, stock sales, charge-offs, Consumer Credit Counseling updates, bankruptcy legal updates, such as Proof of Claims and maintenance, deceased accounts like legal updates on creditors and claims on maintenance, deferment requests, applications, maintenance, approvals, and denials, identifying disputes, maintenance and research, and satisfied liens, titles, research and maintenance.
Follows up on notices received on lien sales and possible repossessions. File petitions and claims for government seizure of property and vehicles.
Must be able to work staggered "Prime Time" calling schedules up to 9:00 p.m., and occasional Saturdays.
Trains new and existing employees
Assists with projects and reports as requested by the Collection Supervisor.
REQUIREMENTS/QUALIFICATIONS
EDUCATION AND EXPERIENCE:
High School education required and one to two years high volume auto finance or unsecured collection experience. Familiarity with auto dialing technology a plus.
OTHER SKILLS AND ABILITIES:
Knowledge of lending and collection regulations. Strong communications skills, written and oral, great problem solving and analytical skills, ability to use good judgement, team spirited and goal oriented, self-starter, and enthusiastic.
COMPUTER SKILLS:
Proficient in Microsoft Applications (Word, Excel, Outlook)
MATHEMATICAL SKILLS:
Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals. Ability to compute rates, ratios and percent and to draw and interpret bar graphs.
CONDITIONS OF EMPLOYMENT
PHYSICAL DEMANDS:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. *(Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)
While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle or feel; reach with hands and arms, climb or balance, stoop kneel, crouch, crawl; talk or hear and taste or smell. The employee must occasionally lift and/or move up to 10 pounds. Vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus.
WORK ENVIRONMENT:
The work environment characteristics described here are representative of those an employee encounters while performing functions of this job.
The noise level in the work environment is moderately quiet. It is a non-smoking environment.
The above job requirements are representative of minimum levels of knowledge, skills, and abilities. The marginal functions have not been included. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
This job description in no way implies that these are the only duties to be performed. An employee will be required to follow any other job-related instructions and duties as requested by the supervisor and/or management.
*HJ
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