Collections Representative

Collections Representative IIThe primary function of the Collections Representative II is to protect the assets of the credit union while lowering delinquencies. Follows collection treatment guidelines and assist members with their financial needs. Meet or exceed goals and expectations established by management mid range and back end accounts.Essential Position Functions:Contacts members and joint members by telephone and written correspondence to collect delinquent loan payments, on Consumer, Real Estate and Recovery accounts.Assistance at all levels of delinquency is required.Maintains high level of member service in every member interaction.Works in a call center environment and handles both inbound and outbound calls.Manages assigned work list of 100+ accounts to ensure gapping standards of three business days or less are met.Engages in multiple tasks such as negotiating payment arrangements; skip-tracing to locate employment/assets; researching closed accounts, calculating interest maintenance; verifying employment, property and death certificates; and recommending auto loans for repossession and/or legal, based on stage of delinquency or initiating the foreclosure process on home loans.Utilizes strong knowledge of establishing effective payment plans that will bring accounts current.Meets scheduling requirements of the department by working assigned staggered shifts and occasional Saturdays.Trains new and existing employees.Assists with projects and reports as requested by the Collection Supervisor.Education and Experience:High School education required and a minimum of two years high volume auto finance or unsecured collection experience.Other Skills and Abilities:Knowledge of lending and collection regulations (FDCPA and Rosenthal FDCPA).Strong communications skills, written and oral, great problem solving and analytical skills, ability to use good judgement, team spirited and goal oriented, self-starter, and enthusiastic.Strong negotiation skills.Computer Skills:Proficient in Microsoft Applications (Word, Excel, Outlook).Ability to type 35 wpm.Mathematical Skills:Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals.Ability to compute rates, ratios and percent and to draw and interpret bar graphs.Physical Demands:The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle or feel; reach with hands and arms, climb or balance, stoop kneel, crouch, crawl; talk or hear and taste or smell.The employee must occasionally lift and/or move up to 20 pounds.Vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus.Work Environment:The work environment characteristics described here are representative of those an employee encounters while performing functions of this job.The noise level in the work environment is moderately quiet.It is a non-smoking environment.Wescom Financial is an Equal Opportunity Employer (Male/Female/Veteran/Disability/Gender Identity/Sexual Orientation) California Privacy Notice at Collection of Personal Information: If you are a resident of the State of California and are a job applicant, see California Privacy Notice relating to job applications.Since 1934, Wescom Financial has been dedicated to helping members throughout Southern & Central California build better lives. Now with 30 branches, we provide essential banking solutions to more than 250,000 members. We truly value providing member focus, excellence, and integrity, which helps us in our interactions with our team members, members, volunteers, vendors, and others alike. These core values have shaped our organization into who we are today. Our goal is not only to meet expectations but also to exceed them in everything we do.At Wescom Financial, we value and rely on the unique talents of our team members who contribute to supporting one another in achieving personal fulfillment and helping our members build better lives. If we are not serving a member, we are serving a team member who is. For the second year in a row, Wescom Financial has been recognized as America's Best Regional Bank and Credit Union by Newsweek and is Great Places to Work Certified. At Wescom, everyone has a seat at the table. The Inclusion and Diversity Committee and Council help set the foundation for an even more inclusive culture at Wescom.In addition to helping build better lives for Californians, we offer an exceptional and comprehensive compensation package to our valued team members, which include:Remote and hybrid work optionsWork/life balance (i.e., two mental health days, flex scheduling, alternative work schedules)$1,000 Employee Referral Bonus ProgramBenefits for full-time and part-time team membersPaid time off: Vacation, floating holidays (full-time only), sick, 2 mental health day, 10 bereavement days, and 10 observed holidays, including JuneteenthComprehensive medical, dental, and vision plan coverage, including EAP+ Work/Life ProgramAdoption and surrogacy assistance401(k) Plan with employer matchingGenerous educational programs: Education reimbursement, student loan repayment plan, college grant for eligible childrenWellness Program: Increase health, happiness, and productivity, ability to earn rewards by participating in Healthy YOU, two onsite fitness centers, gym membership discounts for LA FitnessTransit subsidy reimbursement for public transportationFun Express and Tickets at Work: Discounts at entertainment venues in California and beyondWescom University Department dedicated to providing learning and development opportunities to team membersLeadership/Emerging Leadership Programs for aspiring leadersDiscounted rates on loan products for team membersWescom FoundationWescom is more than banking – we are a network of members and employees dedicated to making California a better place for all. The Wescom Foundation works to improve the lives of Californians by supporting community-based organizations through strategic grant making and community engagement. The Wescom Foundation's grant making focuses on the following areas: Critical Human Needs, Financial Wellness, and Disaster Response. In addition, the Wescom Foundation focuses on identifying and sponsoring volunteer opportunities for employees as well as providing a vehicle for tax-deductible non-profit organization contributions through payroll deductions. These contributions are, in turn, matched dollar for dollar by Wescom Financial.