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Downey

    Collections Representative II - Downey, United States - Downey Federal Credit Union

    Downey Federal Credit Union
    Downey Federal Credit Union Downey, United States

    1 week ago

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    Description

    Job Description

    Job DescriptionDescription:

    Purpose

    The Collector position focuses on collecting past due real estate and consumer loans, Visa, and negative shares. The Collector works on trying to make suitable arrangements with the member if possible. The Collector will determine whether the accounts are profitable and collectible. They are also responsible for consulting with the Lending & Collections Manager based on the member's current status.

    Organizational Standards

    An energetic, self-motivated, enthusiastic, "team player" to represent our credit union with members, prospective members, other staff and the communities in which DFCU conducts business; while exercising sound business judgment, maintain a professional appearance and displaying a positive attitude.

    Primary Responsibilities

    1. Collects on delinquent accounts from 10 days to 180 days past due in a timely and effective manner, within established guidelines. Negotiates suitable payment arrangements with members. Skip trace accounts for possible leads to locate and contact members.
    2. Documents all communications and transactions of a material manner with members.
    3. Recommends repossessions of vehicles to the Lending/Collections Manger based on the member's status. Review Auto Loans that have been impounded; follow-up with repo agents and skip-trace if needed.
    4. Appears and prepares files for small claims court. If judgement is obtained, begins the process of wage garnishment and levies on liquid assets.
    5. Reviews and collects on all negative share and checking accounts in a timely manner. Collects on charged-off loans.
    6. Monitors and updates accounts after receiving bankruptcy notices and files proofs of claim online.
    7. Demonstrates excellent verbal and written communications skills.
    8. Assist with the foreclosure process on delinquent real estate secured loans from initial referral to foreclosure auction sale.
    9. Handles escalated calls related to account research, credit disputes, payment posting errors. Negotiate repayment plans; handle most complex collection inquiries and issues.
    10. Process DFCU insurance claims on repossessed vehicles. Works with auto insurance companies when a member's vehicle has been deemed a total loss and file GAP claims on behalf of members when necessary.
    11. Respond to online credit disputes received in e-OSCAR by reviewing members' dispute and performing an audit on the account that is being disputed.
    12. Recommend loans and shares for charge off, Prepare end of month reports.
    13. Communicates with members and staff in a professional and articulate manner in both verbal and written forms.
    14. Responsible for compliance to the Bank Secrecy Act, which includes the Customer/Member Identification requirements for new members, Anti-Money Laundering requirements, and the requirements of the Office of Foreign Assets Control (OFAC). Compliance to the regulation involves the gathering of information needed to ensure the timely and accurate filing of Currency Transaction Reports, reporting of suspicious activity involving members, non-members and credit union staff, and other suspected money laundering activities.
    15. Maintains up-to-date knowledge of the policies, procedures, rules and regulations that govern credit union operations.
    16. Ensures compliance with all credit union member service standards. Performs all member related functions and activities in accordance with superior member service.
    17. Analyze the member's situation and collateral risk to present alternative solutions including forbearance plans, repayment plans, modifications, assumptions, pre-foreclosure/short sales, and deed in lieu; assist in identifying, negotiating, and pursuing the appropriate loss mitigation option in the best interest of members without exposing the credit union to undue financial risk.
    18. Responsible for ensuring confidentiality and security of credit union and member information and documents.
    19. Employs analytical reasoning to identify opportunities and threats to both members and credit union.
    20. Willingly accepts the direction given by management in order to meet the goals established by the Board of Directors.
    21. Services the membership and maintains a positive attitude within the office at all times.
    22. Performs all other related duties as requested by management.
    Requirements:

    Employment Requirements

    1. Ability to be bonded.
    2. Understand basic accounting principles.
    3. Ability to use office machines as required for their position and understands EDP concepts.
    4. Favorable written and communication skills.

    Minimum Job Requirements

    1. High school graduate; secondary education preferred.
    2. Three (3) years of collection experience and or credit union experience
    3. Basic personal computer knowledge (Word, Excel)
    4. Spanish fluency preferred.
    5. Two years of experience in loan collections at a financial institution
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