COLLECTOR

CLARK COUNTY CREDIT UNION; Las Vegas (NV); On-site; USD 34,000 - 37,000; Full time

Job summary

CLARK COUNTY CREDIT UNION seeks a Collector to support the recovery of Consumer, Mortgage, Commercial, and Negative Share debts in Las Vegas. You will work under the Collections Manager, handling inquiries and processing workouts while complying with FDCPA and CU policies.

Responsibilities include interviewing members, recommending actions, posting payments, skip tracing, and assisting branches with collection-related needs. Knowledge of lending products and regulatory requirements is essential.

Qualifications

• High school diploma or equivalent.
• Six months to two years of industry-related experience.

Responsibilities

• Resolves delinquency or makes recommendations on delinquent loans/accounts, including workouts and extensions.
• Interview members to determine the reason for delinquency.
• Counsel members on financial obligations and payment options.
• Respond to member inquiries by phone, email, text, and in person.
• Process delinquent accounts for charge-off and maintain accurate records.

Skills

Basic Math Skills

Computer Skills

Education

High School diploma or equivalent

Tools

Core/Collections software

Microsoft Office

Job description

Job Details

Job Location: Tenaya - Las Vegas , NV 89128

Salary Range: $24.50 - $27.22 Hourly

Under the direction of the Collections Manager, the Collector is responsible for a variety of duties related to the collection of Consumer, Mortgage, Commercial, and Negative Share related debts. The individual will perform these duties as outlined in the Fair Debt Collection Practices Act (FDCPA) as well as company established policies and procedures. The Collector will provide prompt, efficient, and accurate support to co-workers as it relates to collection activity taken.

• Resolves delinquency or makes recommendations regarding action on delinquent loans/accounts, including workout loans, and extensions.
• Interview members to determine the reason for delinquency.
• Take appropriate action to resolve the account (could include loan modifications or loan workouts).
• Counsel members concerning their financial obligations, advise on options and solicits agreement of payments.
• Respond to member inquiries by phone, email, text, and in person (could include but not limited to; requests to transport our collateral out of country, CPI claims, GAP, and other dealer sold insurances, NADA values, address updates).
• Recommend further action as deemed necessary (i.e., repossession, legal action, foreclosure, referral to collection agency
• Processes delinquent accounts for charge off.
• Demonstrates judgment and discretion within the framework of all applicable regulations and policies.
• Posting loan payments.
• Skip tracing as necessary to locate members
• Ensure member files are kept updated and complete, and all required documents are filed (including completion of adverse action forms).- Back-up support for Bankruptcy functions.
• Back-up support for Repossession functions.
• Ability to research and respond to credit disputes via e-Oscar or directly with members.
• Ability to multi-task.
• Assist other departments and branches with transactions as needed.
• Provide support for the collections department and branch managers in fulfilling member requests and merchant verifications.
• Researches and analyzes data on past due loan accounts.
• Runs Carfax vehicle history reports and confirms ownership information with State DMVs.
• Manages all incoming fax and email documents that pertain to collection of debt.
• Prepares and maintains a variety of loan records, documents, and files.
• Cross trains other team members.
• Works as part of an in-branch and remote TEAM to ensure that Members and co-workers are assisted in a “Service First” manner.
• Produces quality work efficiently and free from errors.
• Knowledge of Consumer Lending products is essential to perform assigned duties.
• Addresses complaints and resolves situations while using good judgment and protecting credit union interests.
• Must comply with all company policies and procedures, applicable laws, and regulations, including but not limited to, Bank Secrecy Act, Patriot Act, Office of Foreign Assets Control, CIP, Reg CC, B, D, E and Z intended to limit risk and exposure for the organization and its members. Types of risk include fraudulent transactions, account fraud or mishandling, compliance with policies, security guidelines, and the organization’s reputation.

Qualifications

EDUCATION, EXPERIENCE AND QUALIFICATION REQUIREMENTS

• High School diploma or equivalent.
• At least six months, preferably two years, of industry-related experience.

KNOWLEDGE

• Basic Math Skills.
• Computer Skills – Computer system/software (Core, Collections software, etc.) to effectively perform job. Windows and web-based systems. Microsoft applications including Word, Excel, PowerPoint, Outlook, and the utilization of CCCU online/mobile banking and related services.
• Knowledge of Board policies and credit union goals, organizational structure, policies, procedures (including Office Procedures Manual and Employee Handbook), and practices. Credit Union products, services, programs, and promotions.