Collector

Job Description

Salary: $18.00 - $22.50/hr

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.