Collector
Company: Union Square Credit Union
Location: Wichita Falls
Posted on: May 24, 2023
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Job Description:
_*Interested in joining the Union Square team?*_
_Recently certified as a Great Place to Work -, Union Square offers
competitive salaries and robust benefits including credit union
paid medical & dental insurance, telemedicine, life & disability
insurance, long term care, voluntary vision insurance and paid time
off. We also provide several employee discounts, an
employer-sponsored 529 plan, and a generous 401(k) retirement
plan._
_We believe in the advancement of our employees and offer several
promotional opportunities throughout the year. Union Square
provides a work culture that is progressive, empowering, fun, and
team-oriented._
*POSITION SUMMARY:*
Responsible for the control of late and/or delinquent loan accounts
and pending late payment reminders. Make follow-up telephone calls
on delinquent loan accounts and maintain accurate records on
delinquent loan accounts. Optimize collections on accounts while
balancing the goodwill of members with the overall business
interests of the credit union.
*DUTIES AND RESPONSIBILITIES:*
The following duties are typical for this position. These are not
to be construed as exclusive or all-inclusive. Other duties may be
required and assigned.
* Monitor payments for late and/or delinquency status. Follow up on
delinquent, high-balance, and overdue credit balance accounts by
phone and/or letter. Ensure professional interface with
members.
* Contact high balance and/or delinquent members by telephone and
mail to determine the reasons for balance or delinquency, and
assist them in developing plans to bring accounts to a current
status.
* Notify co-signers regarding the status of delinquent
accounts.
* Update files and system accounts via the credit union's
delinquent loan recovery system.
* Secure credit bureau reports. Skip trace on loan accounts.
Maintain accurate data for repossession log, bankruptcy files,
charge-off list, etc.
* Research changes as they may affect the status of a loan
repayment.
* Assist members with delinquent real-estate loans to resolve
delinquency.
* Determine when to compromise and settle balances and when to
initiate foreclosure or repossession proceedings.
* Determine when loan collateral should be repossessed, and serve
as a liaison with attorneys or agencies in handling repossession of
collateral.
* File all claims, attend hearings, and coordinate with trustees
for all bankruptcy filings.
* Investigate and correct discrepancies in loan applications and
credit bureau reports.
*EDUCATION*
High School Diploma/GED is required.
*EXPERIENCE*
2+ years of experience in the finance industry with a concentration
in collections, repossession, and customer service is preferred.
Must have a valid driver's license. Knowledge of fundamentals of
lending and loan collection concepts and practices. Knowledge of
collections to include legal aspects, bankruptcy, and repossession.
Knowledge of state and federal laws governing consumer and real
property lending. Excellent problem solving, oral, and written
communication skills. Excellent telephone manners and techniques.
Ability to collect, analyze, and interpret data. Demonstrated
proficiency and expertise with personal computers and Microsoft
applications (Outlook, Word, Excel, Access, and PowerPoint) or
similar software.
_Union Square Credit Union provides equal employment opportunities
to all employees and applicants for employment and prohibits
discrimination and harassment of any type without regard to race,
color, religion, age, sex, national origin, disability status,
genetics, protected veteran status, sexual orientation, gender
identity or expression, or any other characteristic protected by
federal, state or local laws._
Job Type: Full-time
Pay: $14.26 - $15.50 per hour
Benefits:
* 401(k)
* 401(k) matching
* Dental insurance
* Employee assistance program
* Employee discount
* Flexible schedule
* Health insurance
* Life insurance
* Paid time off
* Vision insurance
Physical setting:
* Office
Schedule:
* Monday to Friday
Supplemental pay types:
* Bonus pay
Application Question(s):
* Are you at least 18 years of age or older?
Education:
* High school or equivalent (Required)
Experience:
* Collections: 1 year (Preferred)
* Customer service: 1 year (Preferred)
Work Location: In person
Keywords: Union Square Credit Union, Wichita Falls , Collector, Other , Wichita Falls, Texas
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