Senior Collector - Senior Loss Mitigation Specialist

 Say Hello to Working on the Bright Side

We are Jovia Financial Credit Union. Our name evokes a way of joy, a feeling of optimism, trust and “banking on the bright side”. We are a new kind of credit union, one that combines service and value with the convenience that today’s technologies allow. Our friendliness and energetic spirit make it easy to do business with us. At Jovia, our dynamic, fast growing culture awaits- come see for yourself. 

Now with more than 3 billion in assets, 200,000 members, and 450 employees, we attract the best and the brightest talent-- who do the right thing, present a can-do spirit in a culture of fun, fulfillment, advancement and development. Find your joy here, every day.

We give you:

• Competitive compensation with paid training
• Open communication and an amazingly positive staff
• Managers who value input from their employees—we believe in you!
• A friendly, inviting work environment
• Work that feels like a second home with family events hosted by Jovia!
• Leaders who are involved, transparent and coach you
• Professional development and a perfect atmosphere for learning
• Fun social activities to nurture creativity and teamwork
• Business casual dress with annual corporate gear allowance!
• Great benefits – Med/Dent/401K/pension, and tuition reimbursement and more (Full Time employees)
• School Loan Repayment & Gym Reimbursement (Full Time employees)
• Lots of growth and advancement potential
• Estimated Salary Range for this Position: $54,500 - $64,000
• A CEO with brilliant vision and aspiration

Want to know why we’re so happy? Click here to learn and meet our CEO!

Find out what life at Jovia is like ... https://www.jovia.org/life-at-jovia

What you will be doing: 

• Handle all types and stages of delinquent accounts, including Consumer Loans, Mortgages, Home Equity Loans, HELOCs, Student Loans, Credit Cards and overdrawn accounts, with proven aptitude in resolving late stage collections.
• Be goal-oriented and able to work independently and as part of a team to achieve assigned goals and objectives.
• Be flexible and available to work shifts as needed. Collection shifts may involve working both day and evening shifts that are not consecutive (i.e. 9-5 one day, 10-8 the next day).  There may be occasions based on the needs of the department to alter the regular schedule as requested by the Collection’s management team.
• Generate and maintain daily work queue and create and utilize reports to track and report loss mitigation data monthly/quarterly/annually, and handle collections or other department responsibilities, as needed.
• Update systems records as required within multiple platforms, with high attention to detail and accuracy.
• Handle telephone/email/correspondence inquiries concerning delinquent accounts and provide counseling to members, accurately recording detail on the appropriate collection system(s).
• Research and audit member records to determine missed payments and/or possible discrepancies when necessary.
• Speak to members to determine reason for delinquency; using excellent customer service skills and evaluating customers' financial situations to negotiate terms of repayment to bring account(s) current while maintaining quality and accuracy for compliance and excellent customer service, and propose loss mitigation solutions as appropriate.

What we need from you: 

• Bachelor’s degree preferred.
• Minimum four (4) years of credit union or bank consumer collections experience, and minimum of two (2) years of loss mitigation experience, including ability to underwrite loans.
• Proficiency with MS Suite, including Word, Excel, Outlook, and prior financial institution core system and collection software system experience (Fiserv DNA and Temenos a plus).
• Paralegal degree or certificate and/or experience and civil and foreclosure litigation knowledge and experience preferred.
• Strong Collection background with knowledge of all aspects of Collection processes.
• Thorough knowledge of and compliance with FDCPA, FCRA, RESPA REG X, NCUA regulations, Bankruptcy and state and federal laws and regulations required.  
• Advanced knowledge of collection and financial institution core systems and important metrics, self-motivated, problem solving abilities, detail-oriented, and ability to ensure quality of work completed.
• Superior communication and interpersonal skills, adept at negotiating, maintains a sense of urgency, possesses solid collections skills, self-motivated in working independently and as part of a team, and displays critical analysis and sound judgment capabilities.
• Applicants MUST submit a cover letter for consideration in this role.  
• Flexible and willing to work additional time as needed. 

  The position is a hybrid, currently 3 rotating days per week in-office (with every Monday required)/2 days per week work-from-home, including monthly Saturday shifts (4 hours).

Work From Home and Hybrid Requirements:  This particular position is Hybrid and requires in-office / plus work from home days to our offices in Westbury, New York:  

• Internet speed of 100 mbps or higher required (you can test this by going to www.speedtest.net).
• Able to dedicate a quiet space for daily work that is free of sound interruptions.
• All equipment will be provided by Jovia (Computer, Monitor, Headset).

Be part of a growing not-for-profit organization where People are Everything—You are important to us. Help our members meet their financial goals and achieve their dreams. Let’s talk! 

At Jovia, we celebrate innovation, diversity, teamwork, excellence, and integrity. We are an equal opportunity employer and offer competitive compensation and benefits packages to recruit, retain, and reward top talent. We would like to be your partner in success and happiness!