Collector

Primary Responsibilities

• Contact members as assigned to determine the reason for their being delinquent and assist in developing a plan to bring their account to a current status.
• Initiate the appropriate action and paperwork based on the situation, including keeping accurate records of calls and resolutions.
• Maintain excellent member service through account contact and member resolution.
• Provide backup support to the Credit Department and Teller Line.
• Uphold a strong sales culture within the credit union.

Primary Qualifications

• Passionate and enthusiastic.
• Possess world-class service and leadership skills.
• Strong knowledge and understanding of FCCU products and services, especially the overdraft Privilege Program.
• Strong lending skills.

Essential Duties And Responsibilities

• Live the First Community Credit Union Mission, Vision and Values within the organization and our communities.
• Assist in branch services and operations to serve our members, including serving as a backup for the teller line and credit department.
• Review status of delinquent accounts and initiate collection action in accordance to FCCU policies and procedures.
• Accurately document correspondence, activity and arrangements on all delinquent accounts in the collection package.
• Review delinquent accounts for possible rewrites and consolidations of debts within credit union policies.
• Cross sell other credit union products and services.
• Have an adequate understanding of the credit union’s products to allow for effective cross selling of those products.
• Skip-trace members who attempt to avoid their obligation.
• Determine and recommend accounts for legal action and initiate proper follow up.
• Responsible for the collection of negative balance accounts.
• Accept bids, maintain vehicles and maintain proper records of actions taken, as needed.
• Absorb suggestions for improving existing products and developing new products.
• Maintain a good working relationship with members, coworkers and the Board of Directors.
• Attend credit union functions as requested.
• Perform other related duties as assigned.
• Consult with attorney as required (if approved by Supervisor).
• Responsible for the collection of negative balance accounts.
• Initiate repossessions as authorized, accept bids, maintain vehicles and maintain proper record of actions taken.
• Absorb assistance from supervisor in keeping records of bankrupt, judgment, garnishment, foreclosure and repossessed accounts.

Working Conditions

• Normal office working conditions with the absence of disagreeable elements.
• Repossessions may require working in outside elements.

Required Knowledge, Skills, and Abilities

• Passionate and enthusiastic.
• Strong leadership skills; including planning, organization, communication, mentoring, coaching, staff.
• World-class service skills.
• Advanced knowledge of credit union products; services; collection policies and procedures.
• Knowledge of federal and state regulations relating to credit union operations management.
• Knowledge of Microsoft Office applications.
• Knowledge of intermediate math (calculations and concepts involving decimals, percentages, fractions, etc.).
• Availability to work weekends and extended hours, as needed.
• Outgoing personality, with the ability to ask for new business and capable of making outbound phone calls.
• Works well with others and is able to work independently.
• Ability to interpret member needs by listening and collect with tact, empathy and professionalism.
• Excellent typing, organizational and multi tasking skills.
• Accuracy.

Education And Experience

• This position requires a high school education and two (2) years experience in the teller and/or member service area of a financial institution.
• This position may also require you to become a notary.