Member Solutions Specialist

Credit Union of Colorado; Buffalo (NY); On-site; USD 42,000 - 56,000; Full time

Job summary

Credit Union of Colorado is seeking a collections professional to contact members with past-due loan accounts (consumer, mortgage, VISA) and arrange payment schedules to control delinquency and losses. The role involves documenting all collection actions, performing financial counseling, and coordinating with leadership on workout options.

The position requires knowledge of collection procedures, use of credit union systems, and strong communication skills to build trust with members and ensure

Qualifications

• Associate degree (A. A.) or equivalent from two-year college or technical school; or one to two years related experience and/or training.

Responsibilities

• Contacts members whose loan accounts are past due and coordinates payment schedules.
• Documents all collection actions taken, including calls, arrangements, and correspondence.
• Performs financial counseling to help resolve financial conditions for members.
• Assesses workout loans/rewrites and determines probability of payments and risk.
• Ensures compliance with applicable laws and regulations (FDCPA, BSA, FACTA, etc.).
• Prepares delinquency reports and assists leadership with analysis.

Skills

Collection procedures

Customer communication

Financial counseling

Skip tracing

Microsoft Excel

Credit union knowledge

Education

Associate degree

Tools

Microsoft Excel

Microsoft Word

Job description

We offer a pay-for-performance compensation program including bonuses for all employees and a competitive benefits package. Seehttps://www.cuofco.org/careers for a high-level overview of our benefits package and bonus offerings.

General Purpose of the Position

Under the direction of the Member Solutions Leadership , this position is responsible for contacting members whose loan accounts (Consumer, Mortgage and VISA) are past due . Arranges for liquidation of balances through payments, collection or workout loans . Safeguards the assets of the credit union and determines collectability with initial review and analysis of past collection activity and risk to the credit union . Assists with administrative tasks by performing the following duties . Representative must be knowledgeable in all areas of the credit union operations.

Essential Duties and Responsibilities

• Consistently contacts members whose loan accounts are past due or who have negative shares.Interviews and communicates with members (on the telephone, in person and in writing) to coordinate payment schedules to control delinquency and losses.
• Arrangesfor payments according to Collection Policy and Guidelines, Negative Share Collection Procedure, and Courtesy Pay Policy.
• Documents allcollectionsactions taken, including telephone conversations, alternative financial arrangements, and correspondence.
• Performs financial counseling (remedial, preventative and productive) andinterviewsmembers to provide resolution to financial conditions.
• Determinesoptions for resolution and meets with Senior Member Solutions Specialists or Member SolutionsLeadershiptoascertainwhether workout loans/rewrites are recommended.Identifiesthe probability of payments, risk and assesses legal action including arranging assignment of vehicles to repossessionspecialists.
• Mayassistin reviewing and updating credit union procedures and policies when necessary.
• Utilizes resources effectively to manage delinquent accounts, ensuring smooth teamwork throughout the delinquency lifecycle.
• Contactsmembers to provide updated insurance information and interfaces with Collateral Protection Insurance Company.Interfaces with insurance agents to provide policy information.Files claims if needed with Collateral Protection Insurance Company.
• Prepares collection accounts forchargeoff andassistsin preparing and distributing monthly reports (charge offs, delinquency, etc.) and reviews withleadership.Prints,distributesandprocessesdelinquency reports.
• Recommends delinquent loans for charge off or repossession based on thorough analysis.
• Assistsmembers and employees to resolve problems on accounts.Confers with personnel in other departments and branch offices to verify account information andlocaterelated family members.Usessoftware to perform skip tracing on members.
• Assists Member SolutionsLeadershipwith researching information, creating, compiling, and organizing.Composes andtypes ofcollection and related correspondence fordepartment.
• Adheres to all Federal and State laws and regulations applicable to the credit union, including the Bank Secrecy Act, OFAC, the US Bankruptcy Code, Fair Debt Collection Practices Act, Fair Lending Regulations, the FACT Act and the Fair Credit Reporting Act.
• Responsible for compliance with the Fair and Accurate Credit Transaction Act (FACTA), the Bank Secrecy Act (BSA)and the Anti Money Laundering Act, includingmonitoring forsuch illegal activity as it applies to this position.
• Performsadditionalduties and responsibilities as assigned.

Requirements

EDUCATION AND EXPERIENCE

Associate degree (A. A.) or equivalent from two-year college or technical school; or one to two years related experience and/or training; or equivalent combination of education and experience.

OTHER SKILLSANDABILITIES

Knowledgeofcollectionprocedures and related laws and regulations.UnderstandingofCredit Union loan products and policies. Familiar with default and enforcement clauses. Familiar with deposit programs, account ownership, and casualty insurance. Knowledge of personal computer operations, with an emphasisinMicrosoft products, including Microsoft Excel and Word. Knowledge of Credit Union computer systemin order toinput and set up, new loans, file maintenance,transfersand all related transactions. Ability to apply verbal and interpersonal skills that develop member confidence, respect and trust inCreditUnion of Colorado and develop cooperative relationships with all levels of people throughout the organization.

PHYSICAL DEMANDS

While performing the duties of this job, the employeeis typically required tosit for long periods.The employee continuallyis required totalk or hear. The employeeis occasionally required tostand, walk,stoopand reach with hands and arms. The employee will occasionally lift and/or move up to[10]pounds.Specific vision abilities required by this job include close vision and the ability to adjust focus. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.Limited travelrequiredto visit CU locations as needed.

Core Competencies

Every position at Credit Union of Colorado is grounded in our organizational Core Values and Core Competencies. These skills and behaviors guide how we work, collaborate, and deliver results. Click here to view our Core Values and Core Competencies on Atlas.

Credit Union of Colorado is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, veteran status, or any other characteristic protected by applicable federal, state, or local laws.

Please note applicants can redact any information that identifies their age, birth date, or dates of schooling on either their resume or any additional materials provided.

This job requires that you be at least 18 years old.

Have you earned your high school diploma or GED?

If hired, can you furnish proof you are eligible to work in the U.S.?

Are you currently or have you ever been employed with the Credit Union of Colorado?

Do you have any relatives who currently work for, or are on a volunteer committee of Credit Union of Colorado?

To your knowledge, have you ever been denied bonding?

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