Collections Officer 1

SUMMARY

Under the general supervision of the Collection Supervisor, the Collections Officer 1 is responsible for performing a wide variety of member collections duties.  Promotes and maintains a positive image of the Credit Union.

ESSENTIAL FUNCTIONS 

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The following statements are intended to describe the general nature and level of work being performed by this position.  It is not intended to be an exhaustive list of all duties, responsibilities, and skills required of this position.  Other duties may be assigned to meet business needs.

• Assists other team members within the Department.
• Contacts members via telephone, letter, and email to determine reasons for their delinquencies.
• Reviews accounts to ensure members have complied with Credit Union requirements.
• Evaluates credit lines for potential closure.
• Researches and resolves issues/disputes related to credit reporting.
• Responds to member issues, inquiries, and requests, and assists members in completing forms and documents.
• Evaluates accounts and loan history of members to determine how payment(s) will be applied.
• Negotiates and establishes payment arrangements regarding loans and share accounts. 
• Research account loan transactions to resolve payment errors.
• Adhere to all policies, procedures, and regulations regarding all Credit Union related areas. 
• Recommends loans for collateral seizure. 
• In matters related to the Servicemembers Civil Relief Act, adheres to Credit Union policies and procedures. 
• Utilizes skip tracing platforms to locate members or property.
• Regularly attends and participates in in-house training.
• Performs duties as assigned by management and may be assigned to work at any location.

QUALIFICATIONS

The qualifications listed below are representative of the knowledge, skill and/or ability required to perform the essential functions of this position.

Education and Experience 

High School diploma or equivalent.  

Minimum of six months experience in Collections or related financial area preferred.

The following courses must be completed by new Collections Department employees during New Employee Orientation (NEO), and by current employees within ninety days of joining the Collections Department:

1. Fair Debt Collections Practices Act
2. Fair Debt Reporting Act (FCRA)
3. Servicemembers Series:  Servicemembers Civil Relief Act (SCRA)

Certificates, Licenses and Registrations

None.

Knowledge

Credit Union products, services, programs, and promotions.

Experience with computer systems and software.

Other Skills and Abilities

Performs duties accurately and efficiently, even with frequent interruptions.

Operates a variety of office equipment and machines.

Travels, attends, and participates in meetings, seminars, and conferences held before and after normal business hours that may require unaccompanied long-distance travel and overnight lodging.

Ability to work a variety of hours, including evenings and weekends.

AFFIRMATIVE ACTION/EEO STATEMENT:

CoastHills is an Equal Opportunity/Affirmative Action employer. We will consider all qualified applicants for employment without regard to race, color, religion, ancestry, gender, pregnancy, sex, sexual orientation, transitioning status, gender identity, gender expression, national origin, age, genetic information, military and veteran status, marital status, medical condition, mental disability, physical disability, or any other basis protected by local, state, or federal law. 

For our EEO Policy Statement, please click here.  If you’d like more information on your EEO rights under the law, please click here.