Account Resolution Specialist

Peak Credit Union; Northern (KY); Hybrid; USD 26,000 - 39,000; Full time

Benefits offered by this job

Medical insurance

401k plan

Paid holidays

Job summary

Peak Credit Union is seeking an Account Resolution Specialist for a remote role open to candidates in Washington or Oregon. The role focuses on protecting assets and recovering funds through payment plans, collections, and potential charge-offs.

You will manage delinquent accounts, communicate with members, and coordinate with departments to safeguard credit union assets. Qualifications include at least one year in customer service or collections, familiarity with relevant laws, and knowledge of

Qualifications

• Minimum one (1) year experience in customer service or collection experience required.
• Knowledge of federal, state and local laws related to collections.
• Familiarity with Symitar and Temenos systems preferred.
• Ability to establish payment plans and collect delinquent accounts.

Responsibilities

• Manages a high volume of member calls regarding delinquent accounts and sets up repayment plans.
• Contacts members with past due accounts via phone, email and mail to discuss balances and collect payments.
• Utilizes knowledge of CPI, GAP, collateral and other protections to work with members effectively.
• Prepares files for recovery of collateral and submits for repossession or charge-off approval.
• Provides guidance to teammates and assists with training new staff.
• Reviews processes to improve efficiencies within the department.

Skills

Customer service

Collections

Call center

Communication skills

Tools

Symitar

Temenos

Job description

To maintain a strong connection with our members and local communities and better understand their unique needs , we are currently considering applications from candidates residing in Oregon and Washington for all open positions. We appreciate your understanding as we focus our hiring efforts in these specific regions. And, we encourage all qualified candidates from these states to apply, as we look forward to learning more about your unique skills and experience !

Job Overview:

Our Account Solutions Department is currently looking for a full-time Account Resolution Specialist. This position performs all duties related to protecting and preserving credit union assets and relationships by establishing payment plans, collecting loan payments, recovering collateral, and recommending accounts for charge off.

Where You Will Work:

Remote role open to candidates residing in Washington (WA) or Oregon (OR). ( Branches )

Pay Range:

The target hourly pay range for this position is $20.56 - $23.37. The full hourly pay range is $18.69 - $28.04.

• Compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer of employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role.

What You’ll Do:

• Manages a high volume of outbound and incoming member calls regarding delinquent and overdrawn accounts. Makes payment arrangements within policy and procedure guidelines.
• Contacts members with past due accounts, loans, and Visa's via phone, email and mail to discuss outstanding balances and payments, sets up repayment schedules, and obtain payment from members.
• Utilizes knowledge of Bankruptcy, collateral protection insurance (CPI), credit reporting, GAP, mechanical breakdown insurance (MBI), debt protection, repossessions, account/loan maintenance, deceased member accounts, straw loans, and automated clearing house (ACH) setup to work with members effectively.
• Completes complex tasks associated with the collection and closure of delinquent accounts, reviews and prepares negative shares report for charge-off. Follows-up on recovery and continued collection efforts of charged off accounts by phone and mail. Reviews and unlocks dormant accounts as needed.
• Manages a queue of delinquent accounts and makes recommendations of accounts for repossession or for charge off.
• Prepares files for recovery of collateral and submits files to management for voluntary or involuntary repossession approval.
• Provides guidance to teammates and branch staff as needed. Assists with training new department staff.
• Waives fees on accounts within authorization level.
• Reviews internal processes and provides recommendations for improvements to increase efficiencies within the department to better serve members and the credit union.
• All other duties as assigned.

When You'll Be Working:

Monday - Friday: 9:00am - 6:00pm and rotating Saturdays: 9:30am - 2:00pm. Full-time 40 Hours a week.

Qualifications:

• Minimum one (1) year experience in customer service or collection experience required.

What You’ll Bring:

• Knowledge of federal, state and local laws, statutes, regulations codes and standards related to the area of responsibility.
• Knowledge of functional relationship between branches and the loan department.
• Knowledge of legal proceedings applicable to collection, repossession, foreclosure, liens, and bankruptcy.
• Knowledge of the Symitar and Temenos systems are preferred.
• Actively learn by understanding the implications of new and existing information for current and future problem solving and decision-making.
• Establish and maintain effective working relationships with area Vice Presidents, Directors, Branch Managers, and employees.
• Work with computer-based collection-tracking system.
• Analyze and evaluate situations that affect the loan assets of the credit union.
• Work extended hours as required or requested by management to complete assigned projects, maintain appropriate staffing levels to provide service levels for member facing jobs or to ensure safety requirements are met.

Total Rewards:

This position is eligible for Full-Time Regular benefits. Employees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage.

• Includes an option for Medical, Dental, and Vision insurance to be paid at a 100% by company for the employee only coverage.
• We also offer Health Care FSA (HCFSA), Health Savings Account (HSA) with employer contributions, and Dependent Care FSA (DCFSA).
• Employees also have access to Life and AD&D insurance.
• Employees are able to enroll in our 401k plan.
• Full-Time Regular employees accrue 8 hours of vacation and 8 hours of sick leave, on a monthly basis.
• Full-Time Regular hired employees also receive 11 paid holidays throughout the calendar year, 1 floating holiday, 16 hours of self-care time, and 16 hours of volunteer time.

All benefits start the first of the month following date of hire. Employees become eligible to contribute to 401k on the first of the month following 60 days of employment.

Peak Credit Union participates in E-Verify. We use E-Verify to confirm the identity and employment eligibility of all persons hired to work in the United States.

For more information on Right to Work, please click here: Right to Work

For more information on the Fair Chance Act, please click here: Fair Chance Act

Peak Credit Union is an Affirmative Action and Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability. Equal Employment Opportunity Posters If you’d like to view a copy of the company’s affirmative action plan or policy statement, please email [e-mail].

If you have a disability and you believe you need a reasonable accommodation in order to search for a job opening or to submit an online application, please e-mail [e-mail]. This email is created exclusively to assist disabled job seekers whose disability prevents them from being able to apply online. Only messages left for this purpose will be returned. Messages left for other purposes, such as following up on an application or technical issues not related to a disability, will not receive a response.

When you apply to a job on this site, the personal data contained in your application will be collected by Peak Credit Union. Your personal data will be processed for the purposes of managing the Credit Union’s recruitment related activities, which include setting up and conducting interviews and tests for applicants, evaluating and assessing the results thereto, and as is otherwise needed in the recruitment and hiring processes. Such processing is legally permissible under state and federal law. Your personal data will be shared with Greenhouse Software, Inc., a cloud services provider located in the United States of America and engaged by the Credit Union to help manage its recruitment and hiring process. Your personal data will be retained by the Credit Union as long as the Credit Union determines it is necessary to evaluate your application for employment and as required under applicable state and federal law. Greenhouse is under contractual obligation to keep such information confidential, and the Credit Union’s privacy practices comply with all applicable state and federal laws.

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