Job Description
Job Description
Salary : $20.00 - $25.00
Position Summary : Via Credit Union is seeking a Collector working Tuesday - Saturday (noon). Scheduled hours are 8 : 15 a.m. - 4 : 30 p.m., Friday 8 : 15 a.m. - 5 : 00 p.m., and Saturday 8 : 15 a.m. - noon, unless otherwise specified.
Conducts follow-up with members who have past due accounts. Work with members to develop a strategy that will bring the account current. Make 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. Provides support to VP of Collections and department as needed.
Employment Requirements : As a financial institution, Via Credit Union requires its employees to successfully pass a comprehensive background check and be in good financial standing as a condition of employment and to remain in such standing. Good financial standing means that the employee is current on all payments due to Via Credit Union or any other creditors and is in compliance with all applicable laws relating to financial crimes.
Candidate Tip : Add "apps.bamboohr.com" to your email contact list so you make sure to receive emails regarding your application.
Mission : People helping people achieve financial success.
Vision : Via Credit Union is committed to member service while maintaining financial stability.
Values :
- Honesty and Integrity
- Service Beyond Expectations
- People First
- Committed to Serve
- Foster Growth & Knowledge
- Excellence
- Have Fun
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 assigned collection queues contacting members with past-due accounts to bring the account to a current status.Work from Visa delinquency reports to collect past-due VisaMail late notices, pre-repossession notices, and final notices, ensuring that any credit union errors are detected promptly andRespond to telephone calls, voice mail, text messages, and emails regarding delinquent accounts in a timely manner.Compose professional correspondence for the collections department and manage text communications within ViaEngage (texting software), including composing and responding to messages.Maintain comprehensive records of all communications related to delinquent accounts in the credit unions system for court and administrative reference and retain copies of all mailed or e-mailed correspondence.Deescalate and problem solve member issues and situation as needed.Perform skip-tracing duties as required.Assist in the training and development of new employees when asked by supervisor.Assist in the repossession of collateral, outside collection, or vehicle pickups (branch to branch) whenMaintain a working knowledge of bankruptcy laws, collection laws, repossession laws, credit union compliance, etc.Maintain a working knowledge of negative account software, ODP, and negative account information and timelines.Work diligently to reduce credit union losses.Cross-sell credit union services when appropriate.Identify and work with members on loan workouts and hardship loans which include sending and gathering information for the loan workout team.Assist the members with a variety of needs including over the phone payments, Payment plans and arrangements, auto pay information, external transfers, etc.Verify, maintain, and record service members up for repossession for MLA and SCRA compliance.Handle, maintain, and work on assigned Reports; such as but not limited to First payment default, Exception Report, etc.Cover duties of department co-workers such as the John Floyd system or monitoring accounts as needed.Answer incoming phone calls and accurately process phone payments within guidelines.Monitor daily news sources for incarcerated members and obituaries to compare with any outstanding credit union debt.Attend internal or external collection related training when applicable, available, and of importance.Track and monitor any assigned reporting order to increase the efficiency of collecting the account.Must maintain positive relationships with all internal and external agencies and vendors that are involved in the collections process.Must keep VP of collections informed and up-to-date on collection matters.Other collections duties as assigned.Position Expectations :
Demonstrate and consistently model the ViaCU brand based on the mission, vision, and values.Demonstrate honesty and integrity and be seen as credible in the workplace.Accept responsibility and be accountable for your actions.Demonstrate ability to take care of the members needs while following company procedures, resolve the issue in an antagonistic situation.Demonstrate and model strong interpersonal skills, maintain a positive and respective attitude.The ability to formulate sound decisions using the available information.Act as a role model within and outside of the department.Adhere to company policies and procedures, maintaining confidentiality, and demonstrating the ability to handle sensitive matters.Excellent organizational skills and initiative to improve processes.Communicate regularly with department head about issues.Demonstrate flexible and efficient time management, ability to work independently and prioritize work and complete within given deadlines.Qualifications :
Education : High School Diploma or equivalent
Experience : Prior collections experience preferred
Computer Skills : Microsoft Office Suite
Certifications & Licenses :
Possess a valid drivers license
Must be insurableBenefits Summary :
Affordable medical and prescription, dental, and vision (employer co-pay)Flexible Spending Account Dependent Care & Unreimbursed MedicalBasic Life Insurance (employer paid)Voluntary Life & AD&DLong Term Disability & Travel AD&D (employer paid)Paid Time Off : Vacation, Sick,Personal, 9 paid holidays, and bereavement
Community Service Day : Employer paidBereavement PayFinancial & Retirement Planning
Competitive PayAnnual Compensation Reviews401(k) :Safe Harbor Non-Elective (employer paid)
Elective Deferral : Employee contribution, minimum of 1%Company Match : Employer contribution, dollar for dollar, up to 3% of annual compensationDiscretionary Profit SharingPhysical 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, Climb,Squat or Kneel, Reach above Shoulder, Bend, Lift / Carry and Push / Pull 11 -100 lbs
Frequently : Reach Outward, Bend, Lift / Carry and / or Push / Pull 11-20 lbs
Constantly : Sit, Reach Outward, Manually Manipulate, Visual Accuity, Talk, Hear / Listen, Lift / Carry 10 lbs or less, Push / Pull 12 lbs or less
Not Applicable : Crawl
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.