Collections Specialist |
| February 08, 2013 - February 28, 2013 |
| Location: | Columbus, OH |
| Exempt/Non-Exempt: | Non-Exempt |
| Benefits: | Health, Dental, Vision, 401K, Disability and Life Insurance |
| Employment Type: | Full Time |
| Department: | Asset Protection - Collections |
| Description: | Are you looking to join a team where you are valued for your contribution?
Then come to be a part of Telhio Credit Union. We are currently looking for an enthusiastic, motivated individual to fill a Full-Time position as a Collections Specialist.
Telhio Credit Union is a strong, secure financial institution, serving Franklin County and the surrounding communities since 1934. We provide a full-range of banking services for our 48,000 members, and membership is open to anyone who lives, works, worships or goes to school in Franklin County. Telhio Credit Union is an equal opportunity employer.
Telhio team members thrive in an environment where individuals are encouraged to be self-starters, but also to work in collaboration with team members.
Telhio offers highly competitive pay based on applicants experience. However, pay is just one component of our benefits package, which is second-to-none! We provide Health, Dental, Vision Disability, & Life insurance, complemented by free gym memberships for employees enrolled in our Health insurance. We offer a matching immediately vested 401(k) plan. Our generous schedule for paid holidays, vacation, personal and sick time allow you the flexibility you need to maintain work-life balance; and we also offer employee training and an Employee Assistance Program (EAP).
POSITION SUMMARY:
Under the direction of the Asset Protection Supervisor, is responsible for performing the collection activities associated with delinquent account identification and resolution. Utilizes knowledge of collection policies and procedures to establish goals and objectives for review of individual delinquent loan accounts, determine probable reasons for account status, and contact members to resolve the delinquency and favorably maintain the credit union image. This position has the responsibility of being firm, professional, courteous and diplomatic in contacts with members. Must maintain working knowledge of current and pending laws and regulations pertaining to collections. Maintains confidentiality of all corporate and member activities. The ability to make sound decisions protecting the credit union and member relations.
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| Duties: | Thoroughly documents all conversations, letters, e-mails, and faxes from members in the FSP system.
Follows up the delinquent notices by telephone and/or letters to secure a satisfactory resolution to the repayment problem. Assess member loan needs from start to finish starting with loan type, ancillary product review and submission of application via online system for approval. Finishing with the closing and follow up as needed.
Identifies the reason for delinquency on all accounts by making telephone contact with the member and offers solutions based on individual member capacity in order to help members become contractually current on any past due accounts.
Researches payment posting errors that affect the status of a loan repayment. Follows through to ensure warranted corrections are completed.
Works with Director of Asset Protection on unusual and difficult cases, using sound judgment to request escalated collection activity.
Follows the Collection Policies and Procedures on p ast due accounts to ensure all necessary actions are being taken to bring all accounts current while educating the member on the importance of maintaining a current contractual status.
Maintains communication with repossession companies and provides them any and all current information we can.
Skip traces on accounts as needed documenting results in the Member Contact Maintenance screen.
Responsible for compliance with all required regulations and polices, especially with all Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) policies, procedures and regulations.
Performs other duties as assigned or required to ensure member service standards are met.
Individual in this position may be pulled to work in another department / branch and perform other duties at anytime and as business needs require. |
| Qualifications: | Must have previous 1-2 years collections experience Preferred candidates will have previous collections experience with a credit union, financial institution and have skip tracing experience. Must be familiar with basic technical information regarding various filing requirements in connection with foreclosures, wage garnishments bankruptcies, repossessions, etc. Must have a full understanding of Fair Debt Collection Policy Act. Must be bondable. Must be able to communicate effective and correctly, and to present a positive and professional image, both verbally and in writing. Strong computer/PC skills, ability to operate standard office machine. Present a positive and professional image. Must be able to handle multiple projects and tasks and meet deadlines. Organize and prioritize work assignments with minimal supervision. Understand department procedures and apply job related education skills and experiences into job performance. Must successfully complete the Telhio training course. Service focus and multitasking skills. High School graduate or G.E.D. Telhio applicants must be able to pass a background check including: Credit, Drug Screen, Bondability, & Criminal Background.
PHYSICAL DEMANDS:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, you will need to have good manual dexterity as well as speaking and hearing ability. This position requires sitting; some reaching; standing; some stooping or kneeling. The employee must occasionally lift and move up to 50 pounds. It is expected that the employee will read, compile, compute and record numerical and statistical data.
WORK ENVIRONMENT:
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderately consistent with the noise generally found in an office including those generated by office equipment.
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