Job Description:

As a Member Solutions Specialist I you will mitigate loss to the credit union by proactively managing delinquent loans/accounts through prompt and efficient collection and recovery practices.

Position has experience with multiple stages of delinquency and across multiple product types. Responsible for processing collections on various types of loans to include negative shares, unsecured, and auto loans.

You will be responsible for handling all collection related communication, making payment arrangements with Members, recommending appropriate action on accounts such as payment plans and repossession.

Methods of communication include inbound and outbound collection calls, e-mail, letters, text and in-person contact.

 Major Duties and Responsibilities

• Responsible for completing daily collection calls within designated queues and maintaining adequate notes for each delinquent account within the software system


• Communicates with members whose loans/accounts are in default, including inbound and outbound calls, e-mail, text, letters and in-person contact. Responsible for making payment arrangements or recommending further action on accounts, such as repossession. Refers possible workout scenarios to team lead or department supervisor. Demonstrates judgment and discretion within the framework of all applicable regulations and policies. Arrange for debt repayment or establish repayment schedules based on members’ financial situations to bring accounts to a current status. Notify co-signers regarding status of delinquent accounts. Secure credit bureau reports. Completes light skip tracing.


• Responsible for meeting delinquency, loss, and productivity goals as established by management. Provides support and assists other departments and branches as needed.


• Builds collection and systems knowledge by attending educational workshops, webinars and training opportunities offered through a variety of resources, such as trade associations, vendors and the credit union’s learning management system.


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

Knowledge & Skills
Experience
2+ years experience NMLS # Required

Education/Certifications/Licenses
A high school degree or GED is required.

Interpersonal Skills
Courtesy and tact are essential elements of the job. Work involves personal contact with customers and others inside and outside the organization, generally regarding fairly routine matters for the purposes of giving and obtaining information or instructions, updating or referring. Communications generally require shorter and not in-depth discussions.

ADA Requirements
Physical Requirements
Is able to bend, sit, and stand in order to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in an emergency situation. Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

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

Mental and/or Emotional Requirements
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 complete basic mathematical calculations, spell accurately, and understand computer basics. Must be able to speak clearly and deliver information in a logical and understandable sequence. 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 able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters. EFFECTIVE 10/15/21

Equal Employment Opportunity and Affirmative Action
Interra is an equal opportunity and affirmative action employer committed to creating a diverse workforce.

Qualified applicants will receive consideration without regard to their race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability, or status as a protected veteran among other factors.

Accessibility Accommodation
Interra Credit Union invites all qualified and interested applicants to apply for career opportunities.  If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity, please contact HR@interracu.com  and one of our Human Resources Consultants will contact you within 48 hours.

 

 

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