Collections Representative II (Anaheim, CA)

Wescom Financial Services, LLC; Anaheim, Northern (CA, KY); Hybrid; USD 34,000 - 48,000; Full time

Benefits offered by this job

Remote and hybrid work options

Benefits for full-time and part-time

401(k) Plan with employer matching

Job summary

Wescom Financial Services, LLC is seeking a Collections Representative II to protect assets and lower delinquencies. You will contact members by phone and correspondence to collect on various accounts, manage 100+ delinquent files, and negotiate payment plans while maintaining a high level of service.

Strong communication and negotiation skills are essential. Hybrid/remote options are available, with Wescom servicing a broad California presence.

Qualifications

• High School education required and a minimum of two years high volume auto finance or unsecured collection experience.
• Knowledge of lending regulations (FDCPA and Rosenthal FDCPA).
• Strong communications skills, written and oral, great problem solving and analytical skills, ability to use good judgement, team spirited and goal oriented, self-starter, and enthusiastic.
• Strong negotiation skills.

Responsibilities

• Contacts members and joint members by telephone and written correspondence to collect delinquent loan payments, on Consumer, Real Estate and Recovery accounts.
• Manages assigned work list of 100+ accounts to ensure three business days or less gap.
• Negotiates payment arrangements and analyzes accounts to prevent further delinquency.

Skills

Negotiation

Call center

Analytical thinking

Customer service

Education

High School diploma

Tools

Microsoft Excel

Microsoft Word

Outlook

Job description

We value and rely on the unique talents and contributions of our employees to absolutely excel in member engagement by Delivering Signature Experience.

Salary Grade: 153N Salary Pay Range for This Position: $25.31 - $35.41

POSITION SUMMARY

The primary function of the Collections Representative II is to protect the assets of the credit union while lowering delinquencies. Follows collection treatment guidelines and assist members with their financial needs. Meet or exceed goals and expectations established by management mid range and back end accounts.

ESSENTIAL POSITION FUNCTIONS

Contacts members and joint members by telephone and written correspondence to collect delinquent loan payments, on Consumer, Real Estate and Recovery accounts. Assistance at all levels of delinquency is required. Maintains high level of member service in every member interaction. Works in a call center environment and handles both inbound and outbound calls. The calls will be handled by working a manual work queue. Manages assigned work list of 100+ accounts to ensure gapping standards of three business days or less are met. Understands and utilizes manual work list strategies to reduce roll rates and prevent loans from going further past due. Engages in multiple tasks such as negotiating payment arrangements; skip-tracing to locate employment/assets; researching closed accounts, calculating interest maintenance; verifying employment, property and death certificates; and recommending auto loans for repossession and/or legal, based on stage of delinquency or initiating the foreclosure process on home loans. Utilizes strong knowledge of establishing effective payment plans that will bring accounts current. Meets scheduling requirements of the department by working assigned staggered shifts and occasional Saturdays. Trains new and existing employees. Assists with projects and reports as requested by the Collection Supervisor.

EDUCATION AND EXPERIENCE

High School education required and a minimum of two years high volume auto finance or unsecured collection experience.

OTHER SKILLS AND ABILITIES

Knowledge of lending and collection regulations (FDCPA and Rosenthal FDCPA). Strong communications skills, written and oral, great problem solving and analytical skills, ability to use good judgement, team spirited and goal oriented, self-starter, and enthusiastic. Strong negotiation skills.

COMPUTER SKILLS

Proficient in Microsoft Applications (Word, Excel, Outlook). Ability to type 35 wpm.

MATHEMATICAL SKILLS

Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals. Ability to compute rates, ratios and percent and to draw and interpret bar graphs.

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. While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle or feel; reach with hands and arms, climb or balance, stoop kneel, crouch, crawl; talk or hear and taste or smell. The employee must occasionally lift and/or move up to 20 pounds. Vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an employee encounters while performing functions of this job. The noise level in the work environment is moderately quiet. It is a non-smoking environment. The above job requirements are representative of minimum levels of knowledge, skills, and abilities. The marginal functions have not been included. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job description in no way implies that these are the only duties to be performed. An employee will be required to follow any other job-related instructions and duties as requested by the supervisor and/or management.

If you are applying for a Hybrid/Remote position, please note applicants are required to reside within our Wescom service areas which are defined as the following counties: Los Angeles, Orange, San Bernardino, Riverside, Ventura, Santa Barbara, San Diego, Imperial ,Fresno, Kern, Kings, Madera, Merced, Mariposa, Monterey, San Benito, San Joaquin, San Luis Obispo, Santa Cruz, Stanislaus and Tulare counties.

Wescom Financial is an Equal Opportunity Employer (Male/ Female/ Veteran/Disability/ Gender Identity/ Sexual Orientation) California Privacy Notice at Collection of Personal Information: If you are a resident of the State of California and are a job applicant, see California Privacy Notice relating to job applications.

Who We Are

Since 1934, Wescom Financial has been dedicated to helping members throughout Southern & Central California build better lives. Now with 30 branches, we provide essential banking solutions to more than 250,000 members. We truly value providing member focus, excellence, and integrity, which helps us in our interactions with our team members, members, volunteers, vendors, and others alike. These core values have shaped our organization into who we are today. Our goal is not only to meet expectations but also to exceed them in everything we do.

To learn more about Wescom’s rich history The Wescom Story.

What We Believe

At Wescom Financial, we value and rely on the unique talents of our team members who contribute to supporting one another in achieving personal fulfillment and helping our members build better lives. If we are not serving a member, we are serving a team member who is.

Benefits & Perks

• Remote and hybrid work options
• Work/life balance (i.e., two mental health days, flex scheduling, alternative work schedules)
• $1,000 Employee Referral Bonus Program
• Benefits for full-time and part-time team members
• Paid time off: Vacation, floating holidays (full-time only), sick, 2 mental health day, 10 bereavement days, and 10 observed holidays, including Juneteenth
• Comprehensive medical, dental, and vision plan coverage, including EAP+ Work/Life Program Adoption and surrogacy assistance
• 401(k) Plan with employer matching
• Generous educational programs: Education reimbursement, student loan repayment plan, college grant for eligible children
• Wellness Program: Increase health, happiness, and productivity, ability to earn rewards by participating in Healthy YOU, two onsite fitness centers, gym membership discounts for LA Fitness
• Transit subsidy reimbursement for public transportation
• Fun Express and Tickets at Work: Discounts at entertainment venues in California and beyond
• Wescom University Department dedicated to providing learning and development opportunities to team members
• Leadership/Emerging Leadership Programs for aspiring leaders
• Discounted rates on loan products for team members
• Wescom Foundation

Wescom is more than banking – we are a network of members and employees dedicated to making California a better place for all.

The Wescom Foundation works to improve the lives of Californians by supporting community-based organizations through strategic grant making and community engagement. The Wescom Foundation’s grant making focuses on the following areas: Critical Human Needs, Financial Wellness, and Disaster Response.

In addition, the Wescom Foundation focuses on identifying and sponsoring volunteer opportunities for employees as well as providing a vehicle for tax-deductible non-profit organization contributions through payroll deductions. These contributions are, in turn, matched dollar for dollar by Wescom Financial. Since its founding, the Wescom Foundation has selected a number of non-profit organizations to sponsor throughout the year.

For more information about the Wescom Foundation Wescom Foundation.