Senior Credit Counselor/Hybrid

Franklin-Mint-Federal-Credit-Union-1; Brandywine Summit (PA); On-site; USD 45,000 - 65,000; Full time

Benefits offered by this job

Competitive salary

Team incentives

Generous PTO

Health benefits

401K with match

Life insurance

Disability insurance

Tuition reimbursement

Paid holidays

Volunteer time off

EAP

Pet insurance

Job summary

Franklin Mint Federal Credit Union is seeking a delinquency collections professional to contact members with past due loans and resolve accounts while protecting the credit union’s interests. You will assess risk, negotiate feasible payment plans, and support the recovery of assets across mortgages, auto, lines of credit, personal, and small business loans.

The role requires strong customer service, analytical skills, and the ability to work a flexible schedule while maintaining strict

Qualifications

• Requires a high school diploma and 5+ years collection experience.
• Financial institution background strongly preferred.
• Strong customer service and negotiation skills.
• Ability to work a flexible schedule and maintain confidentiality.

Responsibilities

• Contacts credit union members by phone and mail regarding past due accounts.
• Resolves delinquencies, assesses risk, and mitigates loss while maintaining goodwill.
• Locates unresponsive members using approved skip tracing methods.
• Evaluates extensions, workouts, and refinances within authority.
• Scan checks, pull payments, and perform line revocation and collateral actions as needed.
• Counsels members on prudent credit use and mutually beneficial payment plans.
• Provide support to management with reporting and process improvements.
• Adhere to BSA/OFAC regulations and internal policies.

Skills

Customer service

Communication skills

Interpersonal skills

Analytical problem solving

Organizational skills

Verbal Written skills

Attention to detail

Microsoft Office

Education

High school diploma

Associate's degree

Tools

Microsoft Office

Job description

SummaryPerforms member outreach via telephone and written correspondence to resolve past due loans, maintain member goodwill, protect our collateral position, control TDR impact, and protect the interest of the overall credit union membership.Key ResponsibilitiesContacts credit union members, via telephone and mail, when loan accounts are past due. Resolves delinquencies, assesses risk and mitigates loss wherever possible, while seeking to maintain member goodwill. Products include but are not limited to mortgages, new or used auto, lines of credit, personal loans, and small business loans.Locates members whom we have been unable to reach by using approved skip tracing methods, products, companies, resources and the incumbent’s own collection experience in an appropriate manner.Evaluates members suitable for extensions, workouts, and refinances.Makes decisions within authority; makes recommendations on more complex cases and presents to management.Scans checks if needed and Pulls payments from members’ accounts using established guidelines.Conducts line revocation, equity review, repossession assignments and management, insurance claim follow up, pre-foreclosure correspondence and management, and review of potential charge off accounts.Counsels members on prudent credit usage, personal financial management, and creating mutually beneficial payment plans when discussing their relationship with the credit union.Conducts charge off placement and recovery when appropriateProvides support to management pulling reportsAttends training and education to further enhance collection/member service skill set including on the job work, Credit Union courses, and webinars.Is responsible for adhering to operational controls, including compliance with all required regulations and policies such as the Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) to ensure the safety and soundness of the Franklin Mint Federal Credit Union and its members.Education/ExperienceHigh school diploma plus a minimum of 5 years collection experience; Associates degree a plus.Financial institution background strongly preferred.Other QualificationsStrong demonstrated abilities required:Customer/Member ServiceInterpersonal/Team PlayerMotivated/Works IndependentlyAnalytical/Problem SolvingOrganizational SkillsProject Management SkillsDetail OrientedVerbal/Written SkillsMicrosoft OfficePrioritize/Multi-taskAlso required:Ability to work a flexible scheduleMust maintain confidentialityPhysical RequirementsThe physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.Ability to sit for extended periods; occasional standingFrequent use of hands/fingers for typing and operating standard office equipmentAbility to hear and speak clearlyVisual acuity to read computer screens and written documentsMinimal physical exertion; occasional walkingOther DutiesThis job description is not intended to be an all-inclusive list of responsibilities required for this job. Responsibilities may be assigned or changed at any time.What we offer to our team members:A competitive salaryTeam Based Incentives and Performance Bonus OpportunitiesReferral Incentive OpportunitiesGenerous Paid Time OffMedical, Dental and Vision plansHealth Savings Account with employer contributionFlexible Spending Accounts401K with employer contribution and matchEmployer paid life insurance/AD&DSupplemental insurance plan optionsEmployer paid Short and Long term disability programsPaid Family LeaveTuition ReimbursementTraining and Development ProgramsPaid HolidaysPaid Volunteer Time OffEmployee Assistance ProgramsPet InsuranceEqual Employment OpportunityFMFCU/SFN is an equal opportunity employer and prohibits discrimination against any applicant or employee based on any legally-recognized basis, including, but not limited to: race, color, religion, sex (including gender identity, sexual orientation, and pregnancy), age (40 and over), national origin or ancestry, physical or mental disability, genetic information, veteran status, uniformed service member status or any other status protected by federal, state or local law.Offered pay rate for this position typically aligns with the minimum to midpoint of the salary range and varies based on factors such as qualifications and experience, budget, and internal alignment.