Bilingual (Spanish) Collector II

About the role

The Collector is responsible to the Collections Manager/Supervisor for the efficient processing of assigned accounts. Contacts members delinquent members and obtain past due payments, commitment agreements, establish a repayment plan, or make recommendations to mitigate the Credit Union loss.

Responsibilities

• Contacts members delinquent members and obtain past due payments, commitment agreements, establish a repayment plan, or make recommendations to mitigate the Credit Union loss.
• Processes collection department payments via Western Union, Converge, ECM (ACH and Credit Card).
• Maintains established performance standards.
• Trains and mentors level 1 collectors.
• Aids in special collection projects.
• Sends collection letters and emails using expiration dates and notices that are appropriate with delinquency type.
• Recommends and prepares Workout Packets following approved Workout Program.
• Understands how to handle bankruptcy accounts.
• Has working knowledge of Repo process, letters, arrangements, fees, payments, and CPI.
• Skips Trace using approved sites.
• Understands FDCPA, collection procedures, and follows Chartway Credit Union Policy and Procedures.
• Assists in the area as directed by managers.
• Recommends loss prevention strategies that provide protection for the credit union with respect to its interest in collateral.

Requirements

• Must have a solid understanding of how to handle bankruptcy accounts.
• Working knowledge of Repo process, letters, arrangements, fees, payments, and CPI.
• Understanding FDCPA, collection procedures, and following Chartway Credit Union Policy and Procedures.
• Must be able to maintain composure with difficult or irate customers.
• Must meet or exceed all training requirements for Level 1 position.

Qualifications

• Education: High school education or equivalent GED.
• Experience: Minimum of 2 years of Collections experience in any of these areas. Consumer loan, Mortgage, Fraud, Small Business and Student Loans or equivalent experience working mid to high level delinquency accounts.

Skills

• Communicate clearly utilizing proper grammar and telephone etiquette effectively and in a professional matter.
• Ability to correspond in a professional manner using Word, Excel, and Outlook.
• Ability to refer to policy and procedures when applying information and making decisions.
• Ability to change quickly with the needs of the Collection Department.
• Ability to compute math calculations using addition, subtraction, multiplication, division, and percentages.
• Adherence to State and Federal collection and bankruptcy laws, rules, and regulations.
• Cross-Collateralization policies.
• Credit rating agencies and reports.

Benefits

Chartway offers a competitive salary and a comprehensive benefits package.

Pay

Hiring Range: $20 - $22 per hour (Higher compensation may be considered based on experience, qualifications, and internal equity)

Schedule

Monday-Friday 9:00am-6:00pm (1-2 Saturdays per month- 4-hr shift)

Benefits

Chartway Federal Credit Union is an EOE/M/F/Disability/Vet Employer.