Collections Representative I 5262

JOIN THE KEESLER FEDERAL CREDIT UNION TEAM!

• Medical, dental, and vision insurance
• Section 125 Flexible Spending Accounts for Health Care and Dependent Care expenses
• Employee and Dependent Life Insurance
• 401(k) Retirement Plan with 100% match on the first 5% contributed by you
• Paid Leave
• Tuition Reimbursement and Competitive Scholarships
• Short Term & Long-Term Disability Benefits 

PREVIOUS COLLECTION EXPERIENCE IS STRONGLY PREFERRED

WE CURRENTLY DO NOT SPONSOR WORK RELATED VISAS 

Position:          Collection Rep I

Department: Collections

Reports to:     Assistant Manager- Collections

FLSA:                Non-Exempt                                            Grade:7

SUMMARY

Responsible for collecting past due secured and unsecured loans, credit card, and negative shares accounts in a professional, timely, and accurate manner. Assists in the remedy of delinquency by using methods such as phone calls and collection letters.

SUPERVISORY RESPONSIBILITIES

None.

ESSENTIAL FUNCTIONS

• Works Temenos delinquency queues in a timely and efficient
• Accepts requests for payment by phone on delinquent or negative
• Analyzes accounts to determine the best collection
• Set up repayment plans according to ability to
• Skip traces members who cannot be
• Submits accounts for repossession
• Submits accounts for charge off review.
• Offsets payments on delinquent accounts and/or as requested by
• Resolves past due accounts with members in a professional
• Demonstrates the ability to communicate effectively and professionally, to provide quality service to internal and external members
• Follows credit union policies and procedures to properly identify members (including account ownership) for whom they are conducting transactions or providing account
• Responsible for compliance with all Federal regulations including Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC).
• Effectively manages a high volume of inbound and outbound
• Monitors negative share reports daily and performs file maintenance of accounts
• Assist employees with inquiries regarding negative share
• Performs required file maintenance for manual charge off of negative share accounts, share account closures and revoking overdraft privilege.
• Must be able to proficiently navigate Temenos and Symitar

OTHER DUTIES AND RESPONSIBLITIES:

Performs other duties as assigned by management.

KNOWLEDGE AND SKILLS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION:

A high school education or GED.

EXPERIENCE AND OTHER REQUIREMENTS

• 1 - 2 years Collections experience preferred.
• Experience with Temenos and Symitar preferred.
• Must possess a working knowledge of collection laws, strategies, and techniques.
• Must be familiar with fraud techniques and possess the ability to recognize and report same.
• Strong analytical, time management and organization skills are preferred.
• Understanding of Equifax, Experian and Transunion is recommended.
• Must possess an outgoing personality with a helpful attitude and a well-developed telephone service technique aimed at exceptional member service.
• Accuracy and attention to detail required.
• Must always maintain confidentiality and dependability.
• Must possess the ability to work well under pressure and meet deadlines.
• Must possess exceptional communication skills, verbal and written.
• Excellent record keeping and documentation skills
• Performs a variety of financial and regulatory tasks to collect delinquent Residential and Consumer loans ensuring compliance with the Fair Debt Collections Practices Act as well as all state and federal lending regulations.

INTERPERSONAL SKILLS:

Courtesy, tact, and diplomacy are essential elements of the job. Work involves personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation.

PROBLEM SOLVING- INDEPENDENT JUDGEMENT:

Specific, distinct departmental or functional policies, criteria, and goals guide independent judgment and decision making. The job is doing its thinking within the policies and goals for a specific department, branch, or operating entity. There is significant discretion available in the job requiring interpretation of specific policies, laws, and theories. Makes daily operational decisions, but requires concurrence on out of budget or other issues affecting strategic direction

COMPUTER SKILLS:

• Extensive use of personal PC required.
• proficiency with Microsoft products to included but not limited to Word and Excel, as well as use of internet and e-mail.

CERTIFICATES, REGISTRATIONS, LICENCES AND TRAINING

• Fair Debt Collection Practices Act CUNA exam 45 minutes
• Communicating effectively with difficult People CUNA exam 35 minutes
• Telephone Communication Skills CUNA exam 30 minutes A1003D

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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit, stand, and walk; use hands to finger, handle, feel or grasp; reach with hands and arms; and talk or hear. The employee is frequently required to kneel, crouch, or stoop. The employee is occasionally required to lift and/or move up to 10 pounds.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Extensive use of desktop computer and telephone is required. The noise level is that of a normal office environment.

DECLARATION

The human resources department retains the sole rights and discretion to amend this job description.