What are the responsibilities and job description for the Collector position at SCE Federal Credit Union?
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Are you passionate about helping people navigate financial challenges while protecting the credit union's interests? Rize Credit Union is seeking a dedicated and empathetic Collector to join our team. In this role, you'll manage delinquent accounts, provide exceptional service to members, and help resolve past-due balances through negotiation, education, and support.
Bilingual (English/Spanish) skills are required for this role.
Key Responsibilities:-
Account Management: Proactively manage a portfolio of delinquent accounts, communicating with members through phone, email, and other forms of outreach.
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Loss Mitigation: Evaluate and implement strategies such as loan modifications or extensions to help members avoid foreclosure or repossession.
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Member Support: Offer compassionate assistance to members facing financial hardship, providing resources and financial solutions, including for ITIN holders and underserved/unbanked members.
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Documentation & Compliance: Accurately document all member interactions and ensure compliance with federal, state, and local laws, including the Fair Debt Collection Practices Act (FDCPA).
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Bankruptcy & Legal Coordination: Work with members who have filed for bankruptcy, ensuring legal compliance and collaborating with legal counsel when necessary.
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, skill, and/or ability required.
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2 years of experience in collections, preferably in a financial institution.
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Knowledge of FDCPA regulations and other relevant laws.
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Experience with ITIN and underserved/unbanked members is a plus.
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High school diploma or equivalent required.
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Strong communication and negotiation skills, with the ability to handle sensitive situations calmly and professionally.
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Bilingual (English/Spanish) skills required.
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Proficiency in Microsoft 365 (Outlook, Word, Excel, Teams).
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Ability to work independently, in a hybrid environment, and with flexible hours as needed.
ADA Requirements
Physical Requirements
The physical demands described here are representative of those that must be met by a team member to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
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Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs.
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Must be capable of climbing/descending stairs in an emergency.
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Must be able to routinely perform work on a computer for an average of 6-8 hours per day.
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Must be able to work extended hours whenever required or requested by management.
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Must be able to talk and hear.
Working Conditions
Must be able to routinely perform work indoors in a climate-controlled shared work area 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 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 the highest level of discretion on both internal and external confidential matters.
Why Rize Credit Union?
At Rize, we believe in empowering our members and employees to achieve their financial goals. If you are a solutions-driven professional who thrives in a dynamic, member-focused environment, we want to hear from you!
Apply Today to join our team and make a difference in the lives of our members!
"In order to provide equal employment and advancement opportunities to all individuals, employment decisions at SCE FCU will be based on merit, qualifications and abilities. SCE FCU does not discriminate in employment opportunities or practices on the basis of race, color, creed, religion, sex, sexual orientation, marital status, national origin, gender identity, gender expression, ancestry, citizenship, age, disability (physical or mental), military or veteran status, medical condition, pregnancy, childbirth, or related medical condition, genetic characteristics or information, political affiliation or any other characteristic protected by law.
This nondiscrimination policy extends to all terms, conditions and privileges of employment as well as the use of all company facilities, participation in all company-sponsored activities, and all employment actions such as promotions, compensation, benefits and termination of employment. We will make reasonable accommodations for qualified individuals with known disabilities unless doing so would result in an undue hardship. This policy covers all aspects of employment, including selection, job assignment, compensation, discipline, termination and access to benefits and training."
Salary : $24 - $30
