Job Details
Under direct supervision, responsible for establishing and maintaining continuous contact with Credit Union Members who have delinquent loans or accounts. Serve as liaison between those Members and the Collections Manager. Work proactively with Consumer, Residential, and Commercial Loan Officers, and all members of their respective branches/departments, to garner information and facilitate gathering payments from members with past due loans or overdraft accounts.
Responsibilities:
- Maintain member contact through phone calls, collection letters and e-mail.
- Complete each Member contact with definite understanding by each party as to the current payment commitment.
- Document all Member contact attempts and their specific outcomes.
- Work to resolve situations in which delinquent Members are defensive, hostile, evasive, or unresponsive to suggested resolution methods.
- Effectively review and explain all aspects of a delinquent Member?s account(s) to them, including loan documents, loan terms, payment due dates, interest rates, loan modifications, forced placed insurance, and other related account questions and/or issues.
- Recommends action on accounts as deemed necessary, including- repossession, legal action, foreclosure and referral to collection agency.
- Recommend and implement Collections procedures as they relate to delinquent accounts, internal procedures and policies, and new regulatory compliance when applicable.
- Monitor, input data, and follow-up with E-Oscar functions (i.e. ACDV?s, AUD?s, Notifications, DRN?s, etc.) as per FCRA regulations.
- Work proactively and positively with other Collections department personnel to ensure a ?team effort? and prompt member service.
Working hours: 8:00 AM - 5:00 PM
Skills:
- Ability to communicate effectively verbally, in writing, and over the phone with Supervisor, President / CEO, Members, Volunteers, Co-workers, and Senior Management Team.
- Excellent problem-solving skills.
- Ability to prioritize work and juggle multiple simultaneous projects.
- Ability and willingness to work with a variety of office equipment and software systems.
- Ability to sit for prolonged periods of time over the course of an 8-hour workday.
- Completes mandatory annual BSA training that includes Red Flag, Identity Theft, OFAC, CTR and SAR reporting and thresholds, as well as the safe keeping of member information, and passes any applicable tests.
- Follows all Montana and Federal information privacy guidelines, policies and procedures.
- Protects Member and Credit Union confidential information.
Education:
High School
Experience:
1-4 years
Qualifications:
- Associate or bachelor?s degree in accounting, finance or banking preferred but not required.
- At least 2 years of professional experience with collection procedures preferred.
- FCRA or CDIA certification within 6 months of employment.
Apply now at www.spherion.com/apply/75034
Spherion has helped thousands of people just like you find work happiness! Our experienced staff will listen carefully to your employment needs and then work diligently to match your skills and qualifications to the right job and company. Whether you're looking for temporary, temp-to-perm or direct hire opportunities, no one works harder for you than Spherion.
Equal Opportunity Employer: Race, Color, Religion, Sex, Sexual Orientation, Gender Identity, National Origin, Age, Genetic Information, Disability, Protected Veteran Status, or any other legally protected group status.
At Spherion, we welcome people of all abilities and want to ensure that our hiring and interview process meets the needs of all applicants. If you require a reasonable accommodation to make your application or interview experience a great one, please contact ...@spherion.com.
Pay offered to a successful candidate will be based on several factors including the candidate's education, work experience, work location, specific job duties, certifications, etc.In addition, Spherion offers a comprehensive benefits package, including health, and an incentive and recognition program (all benefits are based on eligibility).
key responsibilities
- Maintain member contact through phone calls, collection letters and e-mail.- Complete each Member contact with definite understanding by each party as to the current payment commitment.- Document all Member contact attempts and their specific outcomes.- Work to resolve situations in which delinquent Members are defensive, hostile, evasive, or unresponsive to suggested resolution methods.- Effectively review and explain all aspects of a delinquent Member?s account(s) to them, including loan documents, loan terms, payment due dates, interest rates, loan modifications, forced placed insurance, and other related account questions and/or issues.- Recommends action on accounts as deemed necessary, including- repossession, legal action, foreclosure and referral to collection agency.- Recommend and implement Collections procedures as they relate to delinquent accounts, internal procedures and policies, and new regulatory compliance when applicable.- Monitor, input data, and follow-up with E-Oscar functions (i.e. ACDV?s, AUD?s, Notifications, DRN?s, etc.) as per FCRA regulations.- Work proactively and positively with other Collections department personnel to ensure a ?team effort? and prompt member service.
experience
1-4 years
skills
- Ability to communicate effectively verbally, in writing, and over the phone with Supervisor, President / CEO, Members, Volunteers, Co-workers, and Senior Management Team.- Excellent problem-solving skills.- Ability to prioritize work and juggle multiple simultaneous projects.- Ability and willingness to work with a variety of office equipment and software systems.- Ability to sit for prolonged periods of time over the course of an 8-hour workday.- Completes mandatory annual BSA training that includes Red Flag, Identity Theft, OFAC, CTR and SAR reporting and thresholds, as well as the safe keeping of member information, and passes any applicable tests.- Follows all Montana and Federal information privacy guidelines, policies and procedures.- Protects Member and Credit Union confidential information.
qualifications
- Associate or bachelor?s degree in accounting, finance or banking preferred but not required.- At least 2 years of professional experience with collection procedures preferred.- FCRA or CDIA certification within 6 months of employment.
education
High School