BASIC RESPONSIBILITES:
Under direct supervision, the incumbent of this role will be responsible for the initial follow-up of delinquent loan accounts as assigned.
This individual will also make follow-up telephone calls and maintain accurate records on delinquent loan accounts.
OUR CORE VALUES:
The Collector will be expected to act in a manner which is in accordance with Guardian Credit Union’s values:
Relationships – We treat each other, our members, and our community with respect.
Accountability – We hold ourselves to a higher standard.
Teamwork – We work together to reach our goals.
Honesty – We believe in conducting ourselves with honesty, integrity, trust, and fairness.
ESSENTIAL FUNCTIONS:
Contacts and engages with delinquent members by telephone.
Determines the reason for default and takes appropriate action to bring current and keep current.
Prepares correspondence on delinquent accounts requiring special handling and makes recommendations on those accounts for which acceptable arrangements cannot be made.
Maintains accurate records and documents of all collection activity.
Including but not limited to records of account details and communication history.
Works with skip tracing and write-off accounts, as assigned.
Assists in the legal repossession of collateral and the legal disposition of such collateral, if applicable.
Reviews and recommends accounts to be charged to reserve (loan loss provision) for bad debts (charge offs) and/or for legal action for loan recovery.
SECONDARY FUNCTIONS:
Makes recommendations to the AVP of Collections, or their designee, for members who may be helped through financial counseling.
Cross sells credit union services when appropriate.
Performs other duties as required and assigned by Supervisor.
Qualifications
SKILLS AND ABILITIES REQUIRED:
Education/Experience: Any combination equivalent to education and experience that provides the required knowledge and skills is qualifying.
Successful completion of High School Degree is required.
Experience in a credit and collections position is preferred.
SKILLS:
Knowledge of credit and collection procedures and principles, legal regulations relating to collection efforts, and credit union philosophy or ability and desire to learn.
Ability to perform detailed, analytical work.
Must be able to record data and maintain reports and information with a high level of accuracy and organization.
Ability to counsel, persuade and make decisions as required.
Ability to do semi-routine work and skilled in the use of office machines and an on-line data processing system.
Ability to effectively apply knowledge of interviewing skills and techniques when dealing with membership.
Must present a professional, business-like appearance and manner.
Must be bondable; ability to maintain confidentiality.
WORK ENVIRONMENT:
This position is located at our West Milwaukee office, and the duties of this job are performed in a physical office setting.
PHYSICAL DEMANDS:
The ideal candidate must be able to complete all physical requirements of the job with or without a reasonable accommodation.
Ability to remain in a stationary position 75% of the time.
Ability to move about inside the office to access file cabinets, office equipment, etc.
Ability to move items, such as boxes, up to 20 lbs.
across office for various needs.
The ability to communicate information and ideas so others will understand.
Must be able to exchange accurate information in these situations.
Ability to constantly operate a computer and other office productivity equipment, such as a calculator, copy machine, fax machine and printer.
TRAVEL:
Local travel to worksites is required at times.
HOURS:
Some evening and weekend hours may be required at times, as well as rotating Saturday hours.
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