Collections/Debt Solutions Specialist

Location:Phoenix, AZ
Employment Type:Full Time
Company:Canyon State Credit Union
Description:Are you looking for an opportunity let your skills shine? Come join the team at Canyon State Credit Union! We aren’t so small that growth opportunities are scarce and we aren’t so big that you’ll get lost in the shuffle. With only 70 employees, we are able to offer similar products and services as our larger competitors, but on a more personalized scale, both with our members and our employees. This approach provides our employees the opportunity to get involved in the organization in a way they may not be able to, in the corporate world. At Canyon State Credit Union, we value the contributions of our employees and actively look for ways to be collaborative, within all levels of the organization. Here, you will have the opportunity to roll up your shirtsleeves, put your unique skills to work, and have a voice in developing your role from the ground up.

To be successful in this role, you will need the following competencies:

Technologically Astute – Demonstrate the ability to use technology to effectively and efficiently perform job functions.

Results Orientation – Keenly aware of personal, team, departmental and credit union wide goals and be able to prioritize and collaborate with others to achieve success.

A Service Focus – Demonstrate an unsurpassed commitment to exceptional member service. Build constructive working relationships characterized by cooperation, collaboration, and mutual respect. Personify CSCU’s role as a Trusted Advisor.

Initiative – Motivated self-starter who measures self against standards of excellence. Display energy and enthusiasm in approaching the job. Wants to get in on the ground floor and create something from scratch. A bit of an entrepreneurial spirit goes a long way in our environment.

Eye for Quality – Take responsibility for providing timely and accurate information, responses and decisions to internal and external members. Willingly accepts and embraces constructive coaching and feedback as needed.

Flexibility - The ability excel in a high stress environment, adapt to changing business needs and work priorities needs is a must. Develop fresh ideas that provide solutions to all types of workplace challenges.

Join a winning team and a dedicated Credit Union!!! We have been offering quality financial service to members and their families since 1951. As a credit union, we are a not-for-profit financial cooperative, which means we operate to serve our member-owners. This makes us quite different from other financial institutions. Since 1951, we have focused on building lifetime relationships by continually expanding our products and services while emphasizing financial security, quality, and convenience in an environment that values and respects members, employees, and business partners.

Duties:As a Debt Solutions Specialist II you will:

Strive to minimize delinquency and loan losses and achieve goals set for the credit union.

Provide assistance by offering solutions based on member’s individual needs with the goal of negotiating immediate payments and/or promises to pay with specified payment dates and amounts. Identify sources of money to assist members with payment options based on individual circumstances.

Work various assigned delinquent accounts on a daily basis to obtain promise to pay including, but not limited to, credit cards, negative shares, and loans.

Conduct effective skip tracing efforts by utilizing techniques such as credit bureau, origination systems, internet, and skip tracing sites to locate information.

Submit and manage paperwork for repossession, legal action, garnishment, or assignment to attorney after assessing the risk exposure.

Approve reinstatement, recall or redemption of repossessed vehicles.

Review and recommend accounts for monthly charge off.
Review reports and assess accounts subject to right of offset.

Maintain and work accounts in bankruptcy status within the limits set by the Bankruptcy Reform Act and ensure credit union standards are met.

Anticipate escalation and act as a liaison on complex calls to provide resolution when needed.
Qualifications:Skills / Requirements

Professional well developed interpersonal skills essential for servicing credit union members and projecting a positive image as representative for the credit union. Approaches others in a tactful manner, reacts well under pressure, accepts responsibility for own actions, and follows through on commitments.

Requires excellent interviewing and interpersonal skills, ability to listen to members’ needs and promote appropriate credit union products and services.

Ability to communicate over the phone including complaint resolution, settling disputes, resolving grievances and conflicts, and otherwise negotiating with others.

Requires judgment to solve day-to-day problems but usually within established guidelines.

Requires education equivalent to a four-year high school education or general education degree (GED). Some post-secondary education preferred.

3-5 years of collections, repossessions, bankruptcy and loan/member services experience.

General knowledge of collection laws and regulations.
Requires basic working knowledge of PC applications (Word, Excel, MS Outlook).

Bilingual in Spanish preferred.

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