Credit Department

We need to output HTML fragment with sections: headings

for sections like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Only include sections that have real specific content. We have description: GENERAL SUMMARY, Primary Responsibilities, Primary Qualifications, Essential Duties And Responsibilities, Required Knowledge, Skills, And Abilities, Working Conditions, Requirements Education and Experience. We need to map to sections: maybe "About the role" could be GENERAL SUMMARY. "Responsibilities" could be Primary Responsibilities + Essential Duties And Responsibilities (but we must not duplicate). Could combine. "Qualifications" could be Primary Qualifications. "Skills" could be Required Knowledge, Skills, And Abilities. "Requirements" could be Education and Experience. Benefits, Pay, Schedule not present, so omit. We must not repeat job title as heading. No metadata like Job ID. We need to preserve all substantive information, not invent or summarize away detail. Must not omit details. Must include all content from description except boilerplate (cookie/navigation/legal/EEO etc). There's no explicit boilerplate except maybe "Note: The statements herein..." that's a disclaimer; is that boilerplate? It's a note about description not exhaustive; might be considered boilerplate but it's part of description. The instruction: Remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions. The note is not exactly those, but could be considered legal disclaimer. Might be safe to keep? It's not EEO. It's a generic note. I'd keep it as part of description maybe under About the role. We need to use

• for any list of duties/requirements/benefits. The text includes many sentences, not bullet lists. We could convert each duty into
• . But we must preserve all substantive information; converting to list is okay as long as we keep the content. The instruction: Use
  • for any list of duties/requirements/benefits. It doesn't say we must convert prose to list; but if we have duties, we should use list. The original text is not formatted as list but we can make list items for each duty. That would be acceptable. We need to avoid creating sections with filler like "commensurate with experience". Not present. We'll produce sections:

    About the role

    GENERAL SUMMARY Primary Responsibilities Model a high energetic, world-class service and sales culture that continually strives to improve the way we serve our members. Contact members as assigned by telephone, letter, text or in person to determine the reason for their being delinquent and assist them 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, while maintaining excellent member service through account contact and member resolution. Provide backup support to the Indirect, Teller and Consumer Lending Departments, in order to maintain quality member service to our membership. Uphold a strong sales culture within the credit union.

    But we also have Primary Responsibilities already covered; maybe we combine. Better: About the role: GENERAL SUMMARY. Then Responsibilities: combine Primary Responsibilities and Essential Duties And Responsibilities. Qualifications: Primary Qualifications. Skills: Required Knowledge, Skills, And Abilities. Requirements: Education and Experience. We must not duplicate content. Let's extract each piece. From text: "GENERAL SUMMARY Primary Responsibilities Model a high energetic, world-class service and sales culture that continually strives to improve the way we serve our members.Contact members as assigned by telephone, letter,text or in person to determine the reason for their being delinquent and assist them 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, while maintaining excellent member service through account contact and member resolution.Provide backup support to the Indirect, Teller and Consumer Lending Departments, in order to maintain quality member service to our membership.Uphold a strong sales culture within the credit union." That seems like a run-on; we can keep as paragraph. Then "Primary Qualifications: Passionate and enthusiastic; possess world class service and leadership skills; strong knowledge and understanding of FirstCCU products and services; strong lending skills." Then "Essential Duties And Responsibilities" long list. Then "Required Knowledge, Skills, And Abilities" list. Then "Working Conditions Normal office working conditions with the absence of disagreeable elements. Note: The statements herein are intended to describe the general nature and level of work being performed by employees, and are not to be construed as an exhaustive list of responsibilities, duties, and skills required of personnel so classified. Furthermore, they do not establish a contract for employment and are subject to change at the discretion of the employer." Then "Requirements Education and Experience: This position requires a high school education. Preferred two (2) years experience in prior collections, and/or a financial institution. This position is also required to become a notary. Employees must comply with government and other regulations affecting the credit union industry including but not limited to the Bank Secrecy Act and The USA Patriot Act." We need to avoid duplication: The Primary Responsibilities sentence appears also at start of GENERAL SUMMARY; we can treat GENERAL SUMMARY as About the role. We'll produce sections:

    About the role

    GENERAL SUMMARY Model a high energetic, world-class service and sales culture that continually strives to improve the way we serve our members. Contact members as assigned by telephone, letter, text or in person to determine the reason for their being delinquent and assist them 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, while maintaining excellent member service through account contact and member resolution. Provide backup support to the Indirect, Teller and Consumer Lending Departments, in order to maintain quality member service to our membership. Uphold a strong sales culture within the credit union.

    Responsibilities

    • Live the First Community Credit Union Mission, Vision and Values within the organization and our communities.
    • File all small claim actions, money and replevin judgments in a timely manner.
    • Process garnishment paperwork as soon as judgment is received when the employer is known and make sure that there is no lapse in time between garnishments. If the employer is unknown, try to work with the other credit department staff to try to locate.
    • Handle the hiring of repossession services as soon as the promise to pay is broken by sending out all required documents to the repossession company to pick up the vehicle. Order bond and forward all required paperwork to the Sheriff’s Department when needed. This needs to be done if the repossession company is unable to locate the vehicle within 30 days.
    • Make arrangements for the vehicle to be picked up in a timely manner to prevent storage charges.
    • Process all Insurance, Creditor and Single Interest Vendor claims and stay in contact with the insurance companies to force timely payments and settlements.
    • Process all repossession paperwork for refunds of MRC, GAP, (only if no damage) and all aftermarket products to verify that all refunds have been received by FCCU. Follow up with Dealer, if applicable, to make sure that refunds are received in a timely manner.
    • Ensure that the correct paperwork is completed during and after the sale of repossessed vehicles by working with loan staff to verify paperwork is correct and accurate.
    • Work with members who wish to purchase a repossessed vehicle, refer them to a Member Relations Manager to take an application.
    • Responsible for the filing of all Bankruptcy paperwork to protect the interest of FCCU. This includes getting reaffirmation when needed and required and or hiring an attorney to have members surrender our security when not reaffirming.
    • Handle all total loss claims of secured vehicles from start to finish. This will include: Obtaining a copy of the Police Report; Verifying we have proper documentation to file GAP Claims; Getting all refunds from dealers if it was a dealer contract, NOT GAP, if there is a claim; File GAP claim, if applicable; Contact member for payoff on any deficiency balance remaining or make payment arrangements.
    • Process all E-Oscar and Credit Disputes.
    • Send delinquent accounts to a third party for collection if First CCU’s collection efforts are exhausted.
    • Report Charge-off negative checking accounts to Chex Systems greater than $10.
    • Send Charge-off negative share accounts to TriVerity greater than $100.
    • Send Charge-off loans to TriVerity on an as needed basis.
    • Assist in promoting a positive credit union image during working and non-working hours.
    • Make 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.

    Qualifications

    Passionate and enthusiastic; possess world class service and leadership skills; strong knowledge and understanding of FirstCCU products and services; strong lending skills.

    Skills

    • Strong leadership skills; including planning, organization, communication, mentoring, coaching, staff development, and goal setting.
    • World-class service skills.
    • Advanced knowledge of credit union products; services; loan policies and procedures.
    • Strong sales and sales coaching skills.
    • 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.
    • Availability to attend special off site sales events and credit union functions, 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 skills.

    Requirements

    Education and Experience: This position requires a high school education. Preferred two (2) years experience in prior collections, and/or a financial institution. This position is also required to become a notary. Employees must comply with government and other regulations affecting the credit union industry including but not limited to the Bank Secrecy Act and The USA Patriot Act.

    We might also include Working Conditions as a section? Not in allowed headings list but could be considered "About the role" maybe. The instruction: Use

    for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). It says e.g., not limited to, but we should prefer those. Working Conditions not listed; we could omit or incorporate into About the role. The note about working conditions is substantive; we could add a paragraph under About the role or maybe a separate section "Working Conditions" but not in list. Safer to incorporate into About the role. We have not included the note about statements not exhaustive etc. That is part of Working Conditions note; we could add to About the role as a final sentence. Let's add to About the role paragraph: "Normal office working conditions with the absence of disagreeable elements. Note: The statements herein are intended to describe the general nature and level of work being performed by employees, and are not to be construed as an exhaustive list of responsibilities, duties, and skills required of personnel so classified.