Collector - 2nd Shift

Summary

The Collector is responsible for maintaining appropriate delinquency and loan loss ratios. This position will cure delinquency, prevent charge offs, resolve issues creating or impacting delinquency, and minimize loan losses through assertive collection efforts and appropriate referral to the Member Assistance Program (MAP).

Essential Functions

• Responsible to resolve delinquency and minimize loan losses by utilizing all available resources to locate and initiate contact with members whose loans are in default.
• The primary source of account information for members with delinquent loans and the primary resource for delinquency related issues.
• Time: 55% - Aggressively pursue residence, employment, and other information for members who are non-responsive to collection efforts and where initial member information is invalid.
• Time: 15% - Initial point of contact for members who are experiencing financial difficulties; determine reason for current financial situation and refer member to MAP.
• Time: 10% - Provide accurate, complete, and consistent documentation on member accounts to eliminate uncertainty and potential issues.
• Time: 5% - Obtain and maintain a high level of knowledge of all Credit Union products and services.
• Time: 5% - Responsible to prepare and submit recommendations for repossession, charge-off, and legal action for assigned portfolio.
• Time: 5% - Responsible for checking emails and voicemails and responding by end of business the day received.

Education

High school diploma or equivalent. Some college preferred.

Experience

In addition to the education requirement, two years of collections experience preferred.

Knowledge, Skills and Abilities

• Self-motivated with the ability to work in a self-managed team environment.
• Excellent verbal, written, and platform communication skills.
• Computer literacy and keyboarding skills.
• Exceptional time management and organizational skills.
• Strong decision-making and problem-solving skills.
• Ability to successfully adapt to organizational change.
• Ability and willingness to attain the personal development required to support progressive growth.
• Attention to detail.
• Innovative.
• Ability to maintain confidentiality.
• Ability and willingness to adapt to continual change.

Required Competencies

• Problem Solving
• Dealing with Ambiguity
• Time Management
• Demonstrates Courage
• Drive for Results
• Interpersonal Savvy
• Customer Focus
• Integrity and Trust
• Self-Development
• Business Acumen

Working Relationships/Contacts

Frequent contact with Credit Union members, Collections management, Credit Union staff, and interfacing departments.

Physical Demands

• Work involves standing and walking for brief periods of time, but most work is done from a seated position.
• A great deal of time is spent on the telephone.
• Must be able to talk and keyboard simultaneously.
• There is potential for eyestrain from reading detailed reports and computer screen.
• Deadlines, workloads, and pressure to achieve goals may cause increased stress levels.

Working Conditions

• Internal - Work is normally performed in a climate-controlled office environment. Noise level is moderate and includes sounds of normal office equipment (computers, telephones, etc.). No known environmental hazards are encountered in normal performance of duties.
• External - Some travel is required; however, information on environmental conditions is not available.

EEO/Vets/Disability

Equal Opportunity Employer for Veterans and Individuals with Disabilities.