- Maintain member contact through phone calls, collection letters and e-mail.- Complete each Member contact with definite understanding by each party as to the current payment commitment.- Document all Member contact attempts and their specific outcomes.- Work to resolve situations in which delinquent Members are defensive, hostile, evasive, or unresponsive to suggested resolution methods.- Effectively review and explain all aspects of a delinquent Members account(s) to them, including loan documents, loan terms, payment due dates, interest rates, loan modifications, forced placed insurance, and other related account questions and/or issues.- Recommend action on accounts as deemed necessary, including repossession, legal action, foreclosure and referral to collection agency.- Recommend and implement Collections procedures as they relate to delinquent accounts, internal procedures and policies, and new regulatory compliance when applicable.- Monitor, input data, and follow-up with E-Oscar functions (i.e., ACDV's, AUD's, Notifications, DRN's, etc.) as per FCRA regulations.- Work proactively and positively with other Collections department personnel to ensure a "team effort" and prompt member service.- Report to work on time and as scheduled.- Perform other duties as assigned.
1-4 years
- Associate or bachelors degree in accounting, finance or banking preferred.- 2+ years of professional experience with collection procedures preferred.- Ability to communicate effectively in person, in writing and over the phone with all internal and external stakeholders. Courtesy and tact are essential.- Ability and willingness to interact calmly and professionally with people from all backgrounds.- Ability to multi-task, prioritize and organize day-to-day responsibilities with attention to detail and timeliness.- Ability to follow oral and written instructions.- Ability to work with others in an effective manner, listen well, share work-related information and be tolerant of others work styles.- Ability to lift up to 15 lbs., with or without accommodation.
- High school diploma or equivalent.- Must be bondable- Possession of general math skills.- Proficiency in Microsoft Excel.- Follow all Credit Union, Montana and Federal information privacy guidelines.- Adhere to all Credit Union policies and procedures.- Protect Member and Credit Union confidential information.- Complete mandatory annual BSA training that includes Red Flag, Identity Theft, OFAC, CTR and SAR reporting and thresholds, as well as the safe keeping of member information, and passes any applicable tests.
High School
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