Job Description
Job Description About this role:
Responsible for assisting in the control, documentation, resolution and follow up of various delinquent loans and negative share accounts. All accounts are to be resolved in the best interest of the Credit Union by following the established policies, procedures, laws, and regulations.
Responsibilities:
Responsible for contacting members to determine the reason for past-due accounts and
Work with members to cure defaults on loan and share accounts.
Respond to and research account inquiries from internal and external members via inbound calls, CRM, email, and text messages.
Document all work and member contact in the appropriate systems.
Maintain accurate account records in accordance with policies and procedures.
Provide maximum coverage of account queues.
Negotiate payment plans with members.
Handle member escalations received from other departments and members of the Financial Assistance team.
Possess a basic knowledge of all portfolios.
Support Financial Assistance Business Administrator when needed.
All other duties as assigned by management.
Who you are:
Minimum 4 years’ experience with consumer credit and collections.
Maintain key performance metrics at required levels.
Maintain delinquency and repossessions at prescribed levels.
Complete phone calls to meet required metric standards.
Ability to make appropriate decisions related to moving forward with repossession of vehicle and acceptable payment arrangements.
Some knowledge of all requirements for repossessions, contract extensions, and contract rewrites.
Knowledge of most consumer and real estate loans.
Ability to make recommendations to management on unique collections cases.
Ability to skip trace an account.
Ability to work independently to meet deadlines with excellent follow through skills.
Excellent verbal and written communication skills.
Basic negotiation skills to arrive at best overall solutions within established guidelines.
Writing ability to clearly document calls.
Advanced knowledge of knowledge of MS Excel, MS Word, MS Outlook, and other reporting systems.
Excellent verbal and written communication skills.
Strong interpersonal and organizational skills.
Ability to work independently to meet deadlines with excellent follow through skills.
What We Offer:
~ Competitive salary and benefits package
~ Opportunities for professional development and career growth
~ Hybrid Schedule (min 3 days in office to maximize collaboration)
~ A collaborative and inclusive work environment
~ Paid Time Off, Wellness Time & Paid Federal holidays
~401K with 6% match
~ High Performance Culture
Become a part of a team where your ideas are valued, your growth is supported, and your work makes a difference. Apply today and take the next step in your career with USALLIANCE.
EQUAL OPPORTUNITY EMPLOYER
USALLIANCE Federal Credit Union, as an Equal Opportunity Employer, values and supports the diverse cultures, perspectives, skills, and experiences within our workforce.
This job description is for informational purposes only and should not be construed as a complete listing of the job responsibilities and requirements. This job description may be modified at any time, for any reason, at the sole discretion of management.
At this time, USAlliance Federal Credit Union will not sponsor a new applicant for employment authorization or offer any immigration related support for this position (i.e., H1B, F-1 OPT, F-1 STEM OPT, F-1 CPT, J-1, TN, or another type of work authorization).
If you need sponsorship now or in the future, look for this statement in the job description before you apply: “USAlliance Federal Credit Union will consider sponsoring a new, qualified applicant for employment authorization for this position”. If this is not listed in the job description, USAlliance Federal Credit Union will not provide sponsorship for the candidate to work in the United States.
In the spirit of pay transparency, we are excited to share the base salary/hourly range for this position is $25.24 - $30.91 , exclusive of fringe benefits or potential incentives. This position is also eligible for an annual corporate bonus. If you are hired at USALLIANCE Federal Credit Union, your final base salary compensation will be determined based on factors such as skills, education, and/or experience. In addition to those factors, we believe in the importance of pay equity and consider the internal equity of our current team members as a part is any final offer. Please keep in mind that the range mentioned above is the full base salary for the role. Hiring at the maximum of the range would not be typical to allow for future and continued salary growth. We also offer a generous compensation and benefits package.
All positions must adhere to standard BSA/AML policies, procedures, and processes. Employees must demonstrate awareness of business functions and how business decisions affect financial and/or non-financial work results.