Job Openings >> Collections Representative
Collections Representative
Summary
Title:Collections Representative
ID:07242017
Department:Collections
Description
JOB SUMMARY:
The primary function of this position is to assist the company in being the leading provider of high quality information, knowledge, and professional solutions.  Provide exceptional service to all current and potential clients and staff that meet the company’s Service Promises and Standards.  Safeguard client information and the client’s vital records in a manner commensurate with the sensitivity of the information and in compliance with laws, regulations and the company’s information security policies, standards and procedures.
Participates in the controlling of the level of delinquency of one or more clients.  Includes calling client members, mailing various notices, using skip tracing techniques, asset searches and negotiating and counseling with members that are having financial difficulties. Assists management and/or credit unions with the preparation of various reports.  Works within guidelines and policies established by credit union clients and the company.
PRIMARY RESPONSIBILITIES:
  • Maintain a high level of accuracy and a professional and courteous attitude with staff and business contacts.
  • Maintain knowledge of the company’s philosophy, rules, and policies; reflect these in all activities and interactions with co-workers, clients, and the public to ensure confidentiality.
  • Work the lists of delinquent loans and credit card accounts as supplied by the client, either on the computer system or in paper report form.  This includes calls and letters to the delinquent accounts and their co-makers, if any.
  • Send FDCPA Notice if one has not been previously sent by USC.
  • Attempts to ascertain from the delinquent why the account is past due and recommends remedies available, such as extensions or modifications, from client’s members.
  • Attempts to locate skip accounts.
  • Does asset searches to determine if member has assets that can be recovered by the client.
  • Assists USC management with the preparation of various reports for the clients.
  • Act as a liaison between client and past due member.
  • May be required to transfer funds within member’s other account to past due obligations.
  • Recommends to USC and/or client representatives the possible repossession of collateral.
  • Assigns collateral for repossession when authorization has been received.
  • Maintains Repossession (“repo”) Log for each client.
  • Arranges for the sale of repossessed collateral and keeps client informed of sale.
  • Send all required notices prior to repo and after the sale of rep.
  • Files claims for refund on collateral protection insurance (if any) on repossessed collateral.
  • Recommends accounts for legal action and forwards the accounts to USC Legal Specialist for follow-up.
  • Familiar with the various credit union data processing systems in order to review accounts and maintain actions on the accounts.
  • Acts as backup to other USC Collection Specialists.
  • Review proposals and recommends action regarding consumer credit counseling services.
  • Post payments to accounts as required by credit union clients.
  • Receives notice of Bankruptcy from clients.
  • Perform other duties as assigned and supports all areas of the company and its affiliates.
SKILL REQUIREMENTS:
  • Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages
  • Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.
  • Exceptional interpersonal skills.
  • Ability to maintain the integrity and confidentiality for the system and position.
  • Ability to work with frequent interruptions and under constant pressure.
  • Ability to read and interpret documents.
  • Ability to write routine reports and correspondence.
  • Ability to speak effectively before clients.
  • Ability to type and utilize functions of the mainframe computers and/or PC systems.
  • Ability to perform each essential duty satisfactorily.
CANDIDATE PROFILE:
  • Bright
  • Verbal
  • Assertive
  • Approachable
  • Enthusiastic; Energetic
  • Flexible
OTHER REQUIREMENTS:
  • High School Diploma or equivalent plus 2 years related experience or a combination of education and experience.
  • Varying Hours
  • Must be bondable
TECHNICAL REQUIREMENTS:
  • Mathematical skills
  • Microsoft Word and Excel
    • Database skills
    • General office equipment
This opening is closed and is no longer accepting applications
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