Position Summary: Via Credit Union is seeking a Collector who reports to the Vice President of Collections. The Collector contacts members who have past due accounts and work with members to develop a strategy that will bring the account current. Responsibilities include making recommendations on action that should be taken if loan collateral is in jeopardy or member fails to meet promises. Keep supervisor advised of particularly precarious situations. Provide clerical support to VP of Collections and department as needed. Scheduled hours are Tuesday - Thursday 8:15 - 5:00, Friday 8:15 - 5:30, and Saturday 8:15 - noon, unless otherwise specified. Reasonable Accommodations Statement: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable Accommodations may be made to enable qualified individuals with disabilities to perform the essential functions. Essential Functions:
- Work from collection queue's contacting members with past-due accounts
- Work from Visa delinquency reports to collect past-due Visa accounts
- Mail late notices, ensuring that credit union errors are detected promptly and corrected
- Respond to telephone calls regarding late letters and delinquent accounts
- Maintain a detailed record of all communications made regarding delinquent accounts in the credit unions computer system and keeping a copy of all mail or e-mail correspondence.
- Perform skip-tracing duties as required and directed
- Assist in the training and development of new employees
- Make court appearances when necessary
- Assist in the repossession of collateral when necessary
- Maintain a working knowledge of bankruptcy laws, collection laws, repossession laws, etc...
- Type correspondence for the collections department in a professional
- Adhere strictly to credit union policies and procedures
- Work diligently to reduce credit union losses
- Cross-sell credit union services when appropriate
- Works with members on loan workouts and troubled debt loans which includes gathering information and presenting to the loan workout team
- Assist the members with a variety of needs including over the phone payments
- Monitor daily news sources for incarcerated members and obituaries to compare with any outstanding credit union debt
- Attend collection related training inside or outside the credit union when applicable, available, and of importance
- Track and monitor reports such as First Payment Defaults, etc. in order to increase the efficiency of collecting the account
- Track and post Bankruptcy trustee payment checks when received
- Must maintain positive relationships with all agencies that are involved in the collections process - internal and external
- Must maintain accurate records for the courts and all involved
- Must keep supervisor informed and up-to-date on collections
- Must maintain confidentiality at all times
- And other duties as assigned by the VP of Collections
Position Qualifications: Skills & Abilities: Education: High School Diploma or equivalent Experience: Prior collections experience, preferred Computer Skills: Word and Excel preferred Benefits:
- Medical, dental, and vision insurance (80% employer paid)
- Paid Time Off: Vacation, Personal, and Sick
- 9 Paid Holidays
- Paid Life & LTD Insurance
- 401(k): Safe Harbor, match (dollar for dollar), and profit sharing contributions
- Paid Community Service Day
- Tuition Assistance
Department Expectations:
- Acts as a role model within and outside of the department
- Demonstrate and model strong interpersonal skills to handle sensitive and confidential situations
- Maintains a positive and respective attitude
- Adheres to ViaCU policies and procedures
- Excellent organizational skills and initiative to improve processes
- Detailed oriented
- Communicates regularly with department head about issues
- Demonstrates flexible and efficient time management and ability to work independently and prioritize work
- Demonstrates working knowledge and computer skills
Physical Demands: N (Not Applicable): Activity is not applicable to this position. O (Occasionally): Position requires this activity up to 33% of the time (0 - 2.5+ hrs/day) F (Frequently): Position requires this activity from 33% - 66% of the time (2.5 - 5.5+ hrs/day) C (Constantly): Position requires this activity more than 66% of the time (5.5+ hrs/day) Occasionally: Stand, Walk, Reach above Shoulder, Squat or Kneel Frequently: Reach Outward, Bend, Talking Constantly: Sit, Manually Manipulate, Talk, Hear/Listen, Visual Accuity, Lift/Carry 10 lbs or less, Push/Pull 12 lbs or less Not Applicable: Crawl, Climb Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job in an office setting. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee may be in a fast paced, stressful environment. Some outside environmental conditions, especially while traveling to meetings, training, or meeting with members. The noise level in the work environment is usually moderate.