Collections Representative

Credit RepresentativeJoin a spirited, dynamic team with Hawai`i's leading credit union as we make a difference in our community – providing financial value, exceptional service, and state-of-the-art convenience to our members.Position Purpose:This position works with members with delinquent loans and negative share accounts on repayment schedules and return items; stays abreast of collection laws, and minimizes loan delinquency through regular contact and follow-up.Essential Functions:Contacts, by phone or mail, members with delinquent accounts in order to establish a mutually agreeable payment schedule on a regular basis.Responsible for accurate and complete maintenance and documentation of all actions taken both verbally and written transactions.Follows-up on loan payments made with non-sufficient funds and insufficient payroll deductions and periodic payments.Responsible for accurately updating collections reports in a timely manner.Follows established collections procedures and prepares and mails all delinquent loan reminder notices.Prepares and maintains appropriate documents for charged-off loans and loans in bankruptcy.Researches loan payments to ensure that the member receives full and complete explanation of their loan status.Researches automatic payment changes that may affect the status of a loan payment.Responsible for maintaining accurate collection records and files.Performs other duties as needed.Performance Standards:Provides excellent member service (internally & externally).Maintain reasonable delinquency ratio.Maintain & document all member interactions during collection efforts.Accurate and timely follow-up on delinquent accounts.Qualifications:Education/Certification:High school diploma or GED is required.Required Knowledge:Basic understanding of MS Office Suite.Basic knowledge of credit union programs.Knowledge of state and federal collection regulations.Experience Required:One to two years clerical/financial institution/loans/collections experience.Skills/Abilities:Excellent verbal and written communication skills.Able to navigate and properly utilize the core collections system.Negotiating skills.Analytical and problem-solving skills.Activities and Requirements of this Position:Repetitive Motion:Movements frequently and regularly required using wrists, hands, and/or fingers.Communication Skills:Must frequently convey detailed or important instructions of ideas accurately and quickly.Visual Abilities:Average visual acuity necessary to read, prepare and inspect documents or products.Hearing:Able to hear average or normal conversations and receive information.Physical Strength:Sedentary work (sitting most of the time). Able to lift and carry up to 25 lbs.Reasoning Ability:Able to apply common sense understanding to carry-out detailed instructions and to deal with problems involving variables.Mathematics Ability:Able to perform basic math skills including adding, subtracting, multiplying and dividing using a calculator.Language Ability:Able to write complex sentences using normal word order with present and past tenses, as well as a command of the English vocabulary.Working Conditions:Air-conditioned, smoke-free office setting.Attendance Requirements:Please note that scheduled attendance requirements may change due to business needs.Business Hours:Monday through Saturday. Business hours are subject to change. Must be able to work additional hours, weekends, and holidays as needed. University of Hawai`i Federal Credit Union