Credit Resolution Specialist

Socket.dev; Pensacola (FL); On-site; USD 24,000 - 34,000; Full time

Benefits offered by this job

PTO 20 days

Maternal & Parental Leave

Retirement plan

Medical, dental & vision plans

Telehealth services

Short Term Disability

Job summary

PenAir Credit Union in Pensacola, FL is seeking a credit resolution specialist to recover money owed on delinquent loans while ensuring compliance with FDCPA and other regulations. You will identify payment arrangements, deferments, and other options to bring accounts into good standing.

Key duties include contacting delinquent accounts by phone, text, email, and mail; analyzing borrowers' financial situations; maintaining accurate records; and participating in ongoing training with senior staff

Qualifications

• Three to five years of similar or related collections experience.
• High school diploma or equivalent.
• Strong interpersonal and communication skills.

Responsibilities

• Contacts delinquent accounts by phone, text, email, and mail; takes appropriate action to bring current.
• Analyzes financial situation of delinquent borrowers; makes recommendations to repossess collateral or charge off when other arrangements fail.
• Maintains accurate files and reports on all collections activity.
• Performs skip tracing to locate difficult members.
• Participates in scheduled training with a Senior Credit Resolution Specialist to enhance knowledge and skill set.
• Performs other job-related duties as assigned.

Skills

Delinquency collections

Communication skills

Attention to detail

Time management

Education

High school diploma

Job description

Company Description

Since 1936 PenAir® Credit Union has been the catalyst where community, resources, and impact come together and produce a powerful force for good. We have a unique culture and we’re passionate about it. Grown from the values we hold most dear, three guiding principles shape how we see the people we serve, the community around us, and our role within it. These guiding principles are Respect, Service, and Communerosity® and they’re woven throughout our culture.

PenAir is where people and community, resources and expertise align with your values to create real impact. Generational impact through strong financial education and support. We care about the things you care about. As the largest and oldest credit union in Pensacola, Florida, with more than $2.5 billion in assets, our purpose is to enhance the lives of those we serve in the Florida Panhandle, Southern Alabama, and Virginia.

Careers
Do you have a passion for helping others?
Currently, PenAir provides access to 15 convenient locations across Mobile and Baldwin counties in Alabama and Escambia, Santa Rosa, Okaloosa and Bay counties in Florida. Join us and become a powerful force for good - after all we live, work, and play here too.

Join the team. You’ll fit right in.
Take control of your future by mapping out a career at PenAir. Working with us means you can shape your professional experience to suit your dreams. We offer valuable resources that provide you the opportunity to build upon and strengthen your skills. Whether it be a career path in advising our members directly on products and services, guiding them through major purchase decisions on a home or vehicle, or even helping build the technology and processes behind the scenes, there is a place for everyone at Pen Air! Success looks different for everyone. Where will your journey take you?

The PenAir difference.
Just like we strive to be a force for good at work, Pen Air works just as hard to supply employees with a total rewards package that includes competitive salaries and meaningful benefits.

Holistic Amenities:

• Up to $15K available for continuing education
• Student Loan Paydown
• Adoption Assistance Reimbursement
• Wellness Programs
• Gym membership reimbursement
• Formal Career Development Resources
• Financial Wellness Resources
• Purchase assistance with computers and fitness equipment.

Benefits Package Highlights:

• Generous PTO Plan—20 days for new hires
• Paid Maternal & Parental Leave
• Competitive Retirement Plan
• Competitive medical, dental & vision plans
• Company paid Telehealth services.
• Company paid Short Term Disability
• And more……….!

The starting pay for this role is $21.31 per hour, depending on experience.

About the role:

Recover money owed to Pen Air Credit Union for delinquent loans while ensuring compliance with Fair Debt Collection Practices Act and all other regulatory guidelines. Identify opportunities to assist our members with collection of payment, arrangements to pay, deferments, and any other assistance available to bring an account into good standing.

Major Duties and Responsibilities:

• Contacts delinquent accounts by phone, text, email, and mail; takes appropriate action to bring current.
• Analyzes financial situation of delinquent borrowers; makes recommendations to repossess collateral or charge off when other arrangements to bring the loan current are unsuccessful.
• Maintains accurate files and reports on all collections activity.
• Completes weekly scheduled educational training through BVS courses, attorney courses, and other online resources.
• Performs skip tracing to assist in locating difficult members.
• Informs management of trends in loan underwriting contributing to delinquent/charged-off loans.
• Participates in scheduled training with a Senior Credit Resolution Specialist to enhance knowledge and skill set.
• Performs other job-related duties as assigned.

Minimum Qualifications:

• Experience:Three years to five years of similar or related experience, including preparatory experience.
• Education/Certifications/Licenses:A high school degree or equivalent
• Interpersonal Skills:A significant level of trust, credibility and diplomacy is required. In-depth dialogue, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. Communications may involve motivating, influencing, educating and/or advising others on matters of significance. Typically, it includes subject matter experts as well as first level middle managers.

Other Skills:

• Attention to detail, time management skills, excellent telephone communication skills.

This Job Description is not a complete statement of all duties and responsibilities comprising the position.