Collections Rep. I

About Us

Kitsap Credit Union is a not-for-profit, member-owned financial cooperative with more than 300 employees and 14 branches throughout Western Washington. We have a passion for making a positive difference. As a $2 billion-asset credit union, we are deeply committed to our members’ financial wellbeing and the prosperity and quality of life in the communities we serve. We are proud to be led by individuals with the experience and skills to drive our organization towards our goals for strategic growth and operational excellence. Our KCU Cares Foundation program focuses on providing resources and support for those struggling with homelessness or hunger and improving the financial well-being of the people in our communities. And beyond monetary efforts, we have provided thousands of hours in staff volunteerism and in-kind support.

At Kitsap Credit Union, our success is built on trust-based relationships and personalized service. We understand our employees are key to our success. They provide the personalized service to our members and contribute to the communities where we live. We are committed to providing a supportive, mission-driven, and inclusive culture where employees can grow their careers. To learn more, visit kitsapcu.org.

About the Role

Kitsap Credit Union is hiring a fulltime hourly Collections Representative I to work out of our East Bremerton location, hybrid within WA state. The Collections Representative I is responsible for identifying delinquent accounts and establishing workable means of communication with members to ensuring prompt repayment of loans to minimize losses.

Quick Facts

Seniority level: Individual Contributor

Reports to: Manager of Accounts Control

Employment Type: non-exempt | in person, onsite and hybrid after training

Working hours: Fulltime

Compensation: $26.47 - $31.44 an hour depending on experience

Grade: 7

Industry: Banking

Job Functions: Collections, Billing, Repossession, Account Management

Typical Job Duties

• Perform transactions and job duties consistently within standards and in accordance with the guidelines of NCUA laws and regulations, and the Fair Debt Collection Act. Attend work related courses and seminars, and pursue a program of self-development.
• Work within legal guidelines to protect the Credit Union and our Members.
• Ensure delinquent accounts become current by identifying problems, and creating a resolution. Arrange and negotiate new payment schedules, modifications, extensions or other workout solutions.
• Work independently and as a team member with ownership of collection queues. Handle a high volume of calls both inbound and outbound from members and branches. Maintain a high level of confidentiality within the accounts control function and administrative offices relative to any information received directly or indirectly at all times.
• Investigate and attempt to locate members that have skipped by contacting and speaking with the borrower's relatives, past employers, military agencies, Accurint software, credit reports, Allied Solutions and other skip tracing tools.
• Provide status of delinquent account through effective communication, regular reporting, and accurate documentation of all collection efforts.
• Assist Kitsap Credit Union staff regarding bankruptcies, repossessions, delinquencies, Consumer Credit Counseling (CCCS) Programs, deceased members, legal issues and other tasks as needed with a strong understanding of financial laws.
• Be able to initiate and collect all necessary data for legal suits pending legal action including but not limited to repossession replevin suits, and SKIP claims.
• Diffuse high-tension situations confidently, effectively and professionally. Coordinate with all levels of staff.

This role may be right for you if you enjoy helping people in difficult situations. You pride yourself on your ability to be compassionate while upholding standards. Your previous employers praise your ability to prioritize tasks and research new ways to complete them, and your previous co-workers talk about your ability to create wins in difficult situations. Your friends consider you analytical and ethically minded, and your family is proud of your ability to seek the best for yourself and others.

Basic Qualifications

• High School Diploma or GED
• Previous experience in collections or similar environment involving public contact via phone or call center environment

Preferred Qualifications

• Previous collections experience
• Previous experience diffusing difficult customer situations.
• Proficient in Microsoft Office applications and excellent telephone skills.
• Ability to prioritize responsibilities and handle multiple tasks.
• Ability to work independently with minimal supervision and be a team player.
• Ability to work effectively under pressure.
• Ability to work with individuals at all levels, inside and outside the credit union.
• Ability to exercise sound judgment and maintain confidentiality.
• Possess well-developed interpersonal skills essential for projecting a positive image of the credit union. Ability to make quality decisions in a timely manner.

Our Values

Integrity: We believe in acting with honesty, trust, and respect which are at the forefront of our daily engagement.

Responsibility: We believe that responsibility is holding ourselves accountable for our decisions, actions, and their outcomes.

Collaboration: We believe in the power of a diverse group of people working together to achieve a united outcome.

Authenticity: We believe activities in actions that demonstrate our commitment to be transparent, dependable, and genuine in every day.

What We Offer

Not only are we one of the largest credit unions in Washington State, and growing, but we are also a company that cares about its employees. We back that up for our employees by offering competitive pay and a benefits package that helps support you and your family’s lifestyle. We value our employees, and we strive to keep our benefits comprehensive and affordable. Some of our benefits include:

Careers | Kitsap Credit Union (kitsapcu.org)

• Free onsite parking
• Annual time off and sick time accrued
• 11 Paid holidays
• 1 Personal day
• Medical, Dental, Vision, Short- and Long-term Disability, Life and AD&D Insurance
• Employee Assistance Program
• Choose from a PPO medical plan or a High Deductible with a Health Savings Account
• 3% KCU funded Safe Harbor Contribution to your 401K
• KCU will match up to 2% of your 401K contributions
• All 401K contributions are 100% vested
• Potential annual incentive in all roles within Kitsap Credit Union
• Tuition reimbursement
• 8 hours of paid volunteer time off
• Discounts on KCU's products and services

We believe in the power of belonging – it’s in our DNA as a not-for-profit, member-owned cooperative. Our un-bank-like structure ensures that we remain all about people: our members, our employees, and the people in the communities where we live and work. We work hard to provide a collaborative and inclusive environment where you can grow and excel in your career.

We are dedicated to serving our members by providing personalized experiences, convenient access, and highly competitive products and services. But it goes much deeper than that. For more than 86 years, we have been relentless about making a positive difference in our communities. We understand that when our members and communities succeed, we all succeed, and that success can’t happen without great employees.

****** Employment is contingent upon satisfactory credit, background, and reference checks. Kitsap Credit Union is an Equal Opportunity Employer. All qualified applicants for employment will receive consideration without regard to sex, marital status, race, color, religion, national origin, age, veteran status, disability, genetic information, or any other protected status. ******

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