Collection Rep I

Collector

The primary function of a Collector is to recover money owed to the Credit Union for delinquent loan and share accounts. The objective is to collect payment from members by determining the appropriate contact method. All member contact must remain professional and comply with the Fair Debt Collection practices Act. The Collector should make recommendations to the Collections Manager for referrals to third party vendors and utilize all available resources to effectively collect. Additionally, the Collector is to be resourceful within the job duties assigned, to minimize the Credit Union's exposure to delinquent obligations.

Maintain verbal and written contact with members with overdue obligations.

Appropriately document all conversations and actions accurately. Refer accounts for repossession and reporting agencies as appropriate. Maintain a basic understanding of bankruptcy laws.

Attempt to cure delinquency with payment collection, payment arrangements, joint borrower or guarantor contact or other options provided in the loan contract.

Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

A minimum of one year up to three years of similar or related experience, including preparatory experience.

A high school degree or equivalent

A significant level of trust, credibility and diplomacy is required. In-depth dialogue, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. Communications may involve motivating, influencing, educating and/or advising others on matters of significance. Typically includes subject matter experts as well as first level to middle managers.

Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 5 lbs. Must be capable of climbing / descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer, sitting for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic mathematical calculations with extreme accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace. Must be capable of exercising highest level of discretion on both internal and external confidential matters. Must be able to stay calm when being challenged by customers in a stressful manner.

Community First Credit Union is an EEO Employer M/F/D/V