Senior Collector

Overview:

UNIFY Financial Credit Union is one of the nation's largest 100 credit unions with a reputation for being financially sound and growth-oriented. We're expanding rapidly to meet the needs of a growing member base. At UNIFY, our team members work together to strive toward a common goal, "providing superior service to our members." In doing so, we promote a culture where your ideas matter, your growth matters, and you matter. We encourage all team members to challenge and encourage themselves and their teammates to work smarter and to be more successful

Summary:

The Senior Collector collects on delinquent consumer loans to minimize losses to the Credit Union, while maintaining the Credit Union/Member relationship. This position also assists management in overseeing other team member collection activities to maintain acceptable delinquency and charge-off percentages, while remaining in compliance with applicable laws, regulations, policies, and procedures. The role will also be responsible for performing administrative collection functions as the department workload dictates. Assists other team members with questions concerning processes and procedures. Responsible for preparing periodic reports on the team's specific tasks/goals and performing collection functions as the department's workload dictates. Responsible for managing a queue consisting of loans in various stages of delinquency. Maintains extensive knowledge of Credit Union products, services, policies, procedures, and collections systems, as well as state and federal laws; and applies this knowledge when communicating with members and vendors.

Responsibilities:

• Collects on delinquent loans, including charge-off loans. Accurately gathers facts, and notates all collection and communication efforts.
• Performs all activities related to collecting amounts due on delinquent loans, in compliance with department work standards, policies, procedures, and federal and state laws.
• Educates members on all options available, by offering suggestions on how to meet financial obligations, and working with member to develop a plan of resolution for full cure.
• Resolves delinquent loan status by performing standard due-diligence practices, analyzing member's situation, and negotiating and securing acceptable repayment arrangements.
• Follows up and monitors delinquent loans to ensure that promised arrangements are met.
• Assists team supervisors and management with daily processes and procedures when required/requested. Provides support for team supervisors and management when they are out of the office.
• Assists with the handling of member requests and complaints.
• Assists in special projects as requested by management.
• Serves as liaison between team members and auditors on complex issues or dispute resolution.
• Utilizes all skip-tracing tools and resources available to pursue every possible lead in an effort to locate, verify, and obtain delinquent member contact/demographic information, and collateral location information.
• Utilizes internal work standards, policy and guidelines to prepare for, as well as recommend, loans for charge-off.
• Consistently meets and/or exceeds monthly collection audits, performance measures, and goals established by management.
• Assists with mentoring and training of collector and collector II employees, as directed, to enhance collection skills.
• Assists collector and collector II team members with difficult or complex member accounts situations, utilizing knowledge of collections and procedural guidelines.
• Works as part of a highly productive team to achieve the departmental service levels and performance expectations.
• Maintains a positive and professional attitude, leading by example. Provides a strong work ethic and a "can-do" attitude.
• Makes recommendations to implement process improvements.
• Maintains in-depth knowledge of, and complies with, all departmental and CU security policies and procedures, as well as federal regulations applicable to the position. Completes all required compliance training as assigned.
• Ensures full compliance with UNIFY Financial Credit Union service standards, policies, and procedures; and with the Bank Secrecy Act and other relevant laws and regulations.
• Performs other duties as assigned.

Qualifications:

• High school graduate or G.E.D. required, some college preferred; with at least three years of previous collections, customer service, or contact center experience; or equivalent combination of education and experience.
• Must have a customer service focus, and excellent verbal and written communication skills.
• Requires in-depth knowledge of state laws, federal laws, and CU policies and procedures, as they relate to credit, collections, repossession, and remarketing.
• Must have a proven ability to influence others toward a desired course of action.
• Must be available and flexible in scheduling to meet the changing business requirements of the position.
• Must be able to initiate member contact and determine the reason for delinquency, with a sense of urgency to bring the loan current.
• Must have strong attention to quality and detail, strong analytical skills, and be a self-starter who is able to work both independently and in a team environment.
• Requires ability to multi-task and work in a fast-paced environment
• Must have the ability to prioritize and organize work tasks.

See the UNIFY Difference!

At UNIFY, we believe that each team member is a valued contributor. Through a teamwork approach, we strive to provide a positive and rewarding workplace that helps our team succeed. UNIFY provides a work environment which promotes learning, growth, and the opportunity for team members to challenge themselves.

Competitive Compensation and Excellent Benefits Package* Includes:

Medical (PPO/HMO), Prescription, Dental (PPO/DMO), Vision, Life, and Short- and Long-Term Disability Insurance

Dependent and Medical Care - Flexible Spending Accounts

Vacation, Sick, Personal and Holiday Pay

401(K) Plan with employer match

Education reimbursement for approved programs

UNIFY banking privileges for you and your family

*All programs subject to review and change

UNIFY is proud to be a drug-free, equal-opportunity employer. For more information on UNIFY, visit us at www.unifyfcu.com

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