Collections - Collector 2 - Remote

This position is responsible for the timely collection of delinquent accounts including more complex mortgage, deceased and late stage accounts.

Works within the established department policies and procedures to ensure that the credit union’s delinquency and charge off ratio is within parameters established by management.

.  Adds value to the credit union by reviewing delinquent accounts and taking the appropriate action necessary to insure the credit union receives payments.  Appropriate action taken at the appropriate time reduces credit union losses.

Responsibilities: 


* Reviews and performs effective collection actions on delinquent accounts which may include Deceased Member Accounts, late stage consumer loans, Mortgage loans  and business loans through completion while following credit union policy, procedures and applicable state and federal laws including FDCPA.


* Performs effective collection actions including but not limited to; address verification, asset search, employment verification, and credit report review  on delinquent accounts prior to recommending legal action, foreclosure or repossession. 


* Conducts skip tracing, for locating members as necessary.


* Reviews, recommends and assists with the processing of consumer and real estate related loan modifications following credit union policy and procedures.


* Assists collectors with account resolution.


* Ensures documentation of all work done is accurate and complete.


* Assist Department Leadership Team in training of new department personnel.


* Supports and participates in continuous improvement activities.


* Represents the Credit Union in a positive and professional manner.


* Maintains member and other sensitive information with confidentiality.


* Treats team members and members with respect.


* Other related duties as assigned.

Qualifications: 


* Must possess a minimum of 3 years of hands on collection experience, dealing with real estate, secured and unsecured loans to include experience with Real Estate products and the foreclosure process.


* Must have a strong background in bankruptcy laws, foreclosures, repossessions and full knowledge of the Fair Debt Collection Practice Act. 


* Working knowledge of the loan modification process as well as the repossession and collateral liquidation process. 


* Strong written and verbal communication, interpersonal, and relationship building skills, with focus on negotiation and consultation.


* Must be able to communicate effectively with members, management, team members and external third-parties.


* Ability to interface with people in a positive manner with empathy, courtesy and tact.


* Strict attention to detail.


* Demonstrated organization, follow through, time management skills and ability to multi-task and prioritize work.


* Ability to work in a fast paced goal oriented environment and able to handle difficult calls.
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