Collections Representative |
| Location: | Casa Grande, AZ |
| Salary Range: | $12.59 per hour |
| Exempt/Non-Exempt: | Non-Exempt |
| Benefits: | Outstanding |
| Employment Type: | Full Time |
| Company: | First American Credit Union |
| Description: | First American Credit Union is seeking a Collections Representative to preserve the Credit Union's assets by controlling delinquent loan accounts and pending late payment reminders. Makes follow up telephone calls on deliquent loan accounts and maintains accurate records on such accounts. Collects deliquent loan payments and/or recovers collateral.
The ideal candidate will understand how to optimize collections on accounts while balancing the goodwill of members with the overall business interests of the Credit Union.
Serves as a member advocate by assisting members in developing plans to bring accounts to a current status and collect on overdue accounts whenever possible.
First American CU offers a comprehensive benefits package including medical, dental, vision, LTD, Group Life, PTO, 11 Holidays, and a 401k plan with 10% Employer Contributions plus a 3% match!
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| Duties: | Monitors payments for late and/or delinquency status. Follows up on delinquent, overdrawn and overdue credit balance accounts by phone, letter or face to face; consistently ensuring professional interface with members. Notifies co signers regarding status of delinquent accounts. Performs skip tracing activies on loan accounts.
Acts as a 'member advocate' by assisting members in developing financial plans to bring accounts into current status whenever possible in order to collect on overdue accounts.
Inputs the Collateral Protection Insurance Premiums and refunds as they arrive into the credit union. Updates files and system accounts via the Credit Union's delinquent loan recovery system. Keeps and maintains accurate data for repossession log, bankruptcy files, charge off list, etc. Prepares reports on recovery activities as requested by management.
Analyzes financial situation of delinquent borrowers and determines when to compromise and settle balances and when to initiate repossession processings.
Investigates and corrects discrepancies in credit bureau accounts.
Responds to garnishment, levies and other court documents served on the Credit Union in a timely and accurate manner. Testifies at legal proceedings as needed.
Performs other job related duties as assigned by supervisor. |
| Qualifications: | A high school diploma or GED and two to five years of similar or related experience required;
Loan servicing or collection/recovery department experience in a financial institution preferred.
Excellent communication skills required; both over the telephone and in person. Professional, well developed interpersonal skills are necessary for projecting a positive image to the Credit Union's members.
Intermediate knowledge of MS Office (Word, Excel, Outlook) and the ability to interpret credit reports required. Negotiation skills essential as well as basic to intermediate mathematical skills in order to calculate decimals, percentages and fractions. |
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