Recovery Specialist

Description YOUR PURPOSE Responsible for collecting on accounts while balancing the goodwill of members with the overall business interests of HZCU. Will locate and notify customers of delinquent accounts by mail, telephone, email, or text. Duties include addressing paid ahead, overdrawn, and overdue accounts, Manages member relationships relating to insurance problems. initiating repossession proceedings, and maintaining accurate records and account details. This position will also process hardship extensions when appropriate. YOU ARE RESPONSIBLE FOR 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. Ability to discover the reason for delinquency and offer appropriate solutions to permanently resolve the reason for delinquency Contact high balance and/or delinquent members by telephone, mail, email and text to determine the reasons for balance or delinquency and assist them in developing plans to bring accounts current. Develop plans and collect on overdue accounts wherever possible Notify co‑signers regarding the status of delinquent accounts Manage incoming tickets from the help desk ticketing system Uses Auto Dialer to complete work tasks Update files and system accounts via the credit union’s delinquent loan recovery system Secure credit bureau reports. Skip trace on loan accounts Assist members with delinquent real‑estate loans to resolve delinquency Determine when loan collateral should be repossessed Perform all responsibilities in accordance with HZCU competencies and Information Protection requirements Have a thorough knowledge of all state and federal collection laws and guidelines Professional and courteous interactions with members Strive for continuous improvement of processes and service Persistence in following standard collection practices Accurately recording collection activity and file information Maintaining a professional and positive attitude towards delinquent borrowers, and the job of collections SUCCESS LOOKS LIKE Our individual contributor success competencies, coupled with our CORE Values, drive our ability to fulfill our Promise of "Guiding members in the direction of their dreams". Action Oriented: Takes on new opportunities and tough challenges with a sense of urgency, high energy, and enthusiasm Collaborates: Builds partnerships and works collaboratively with others to meet shared objectives. Readily takes action on challenges, without unnecessary planning Instills Trust: Gains the confidence and trust of others through honesty, integrity, and authenticity Communicates Effectively: Develops and delivers communications that convey a clear understanding of the unique needs of different audiences Member Focused: Builds strong member relationships and delivers member‑centric solutions, both internally and externally Self‑Development Focused: Actively seeks new ways to grow and be challenged using both formal and informal development COMPENSATION At Horizon Credit Union, we believe in attracting and retaining talented team members who embody our CORE Values of Capability, Optimism, Responsibility and Empathy. Our pay values are reflected in our compensation philosophy which rewards individual performance and the potential to contribute to our teams’ overall success long‑term. The full pay range for this position across all the states in which we hire is $XX.XX - $XX.XX. The figures shown represent the minimum and maximum of the range for this role. Individual offers are made dependent upon a candidate’s experience, education, and skill level.? BENEFITS, PERKS AND OTHER GOOD STUFF We know there’s more to life than just a job. Our benefits are designed to help support our employees and their well‑being. Take a look at what we have to offer: Medical, Dental, & Vision Insurance for full‑time and reduced full‑time employees & their families Telemedicine for part‑time employees Paid Group Life and Disability Insurance Employee Assistance Program Tuition Reimbursement Program 401K Retirement Savings Employer 401K Retirement Contributions & Matching upon eligibility Discretionary Annual Incentive Bonus based on eligibility criteria Paid Time Off per Full Calendar Year: 10 hours of PTO per month (prorated for reduced full‑time and part‑time) Paid Birthday Holiday 2 Paid Wellness Days Up to 24 hours of Paid Volunteer Time annually 11 Paid Holidays And More! Requirements EXPERTISE YOU NEED Education & Experience High school diploma or general education degree (GED); three to five years’ related experience and/or training; or equivalent combination of education and experience. Related work experience may substitute for education. Capabilities Effectively presents information in one‑on‑one situations to borrowers, creditors, external credit‑granting organizations, and other employees of the credit union. ABLE TO To perform the essential functions of this position an employee must be able to meet the following workplace demands: ability to converse with others, detect sound, identify and detect objects, count, read, write, operate a computer, handle and feel objects, reach with hands/arms and be stationary and/or stand and/or move for long periods of time. Occasionally an employee will lift/pull/push and carry up to 25 to 50 pounds, stoop, kneel, crouch, crawl, climb and be able to maintain balance doing these activities. Position requires sound reasoning, good judgment and ability to apply knowledge toward work activities. The noise level is moderate and typical of a normal office environment. In accordance with the Americans with Disabilities Act, Horizon Credit Union will provide reasonable accommodation/s to qualified individuals with disabilities to perform the essential functions, unless such accommodations would cause the employer an undue hardship. To request an accommodation, please contact Human Resources. ABOUT THIS JOB DESCRIPTION The statements in this job description are intended to describe the essential functions and minimum qualifications for this position and are not intended to be an exhaustive list of all responsibilities, duties and skills required. Job descriptions are not intended nor do they create an employment contract and are subject to change at any time to accommodate business necessity. The Credit Union maintains its status as an at‑will employer where applicable. In support of Horizon CU’s goals employees may perform other duties as assigned and all employees are expected to Exemplify our CORE Values. Promote teamwork and collaboration. Provide our members with the highest quality service. #J-18808-Ljbffr