Collections Officer

*Description* *Hourly Range: $22.
00 - $25.
00* _Exact compensation may vary based on skill, experience and location.
_ *POSITION PURPOSE* Responsible for contacting assigned members who are past due or over limit on their loans to make satisfactory payment arrangements.
Work with members to achieve credit-worthy status by offering appropriate workout solutions to fit members’ specific needs.
Perform skip-tracing duties on assigned accounts.
Recommend and prepare accounts for repossession and legal action.
*ESSENTIAL FUNCTIONS AND BASIC DUTIES* * Maintain a thorough understanding of the Fair Debt Collection Practices Act, as well as state and federal regulations pertaining to collections.
* Contact assigned past-due or over-limit accounts to set up adequate payment arrangements.
* Monitor and provide response to member SMS correspondence and inquiries.
* Provide excellent member service to members calling in for assistance on their loans.
* Process SAFE account payment transfers from member share accounts to loans and credit cards.
* Recommend and prepare accounts for repossession and legal action and submit to Senior Collections Officer or WTL for approval.
* Recommend accounts for cancellation of lines of credit and credit union services to Senior Collections Officer or WTL.
* Discuss reasons for delinquency with members to determine if there is a viable solution and recommend appropriate workout solutions.
* Meet assigned goals over a twelve-month period.
* Perform skip-tracing duties.
* Review accounts to determine that delinquency was not caused by Credit Union error.
* Verify that member contact information is accurate and reason for delinquency has been updated.
* Update member contact information as needed.
* Maintain knowledge of rules that apply to each minor code.
* Prepare and mail late notice, co-maker, and share loan letters.
* Available to work a variety of shifts between the hours of 8:00 am to 6:00 pm.
* Other duties, as assigned.
*QUALIFICATIONS* *EDUCATION/CERTIFICATION:* High school diploma or general education degree (GED); or one to three years of related experience and/or training; or an equivalent combination of education and experience.
*EXPERIENCE REQUIRED:* To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.
The requirements listed below are representative of the knowledge, skill, and/or ability required.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
*SKILLS/ABILITIES:* * Ability to demonstrate professional communication skills.
* Ability to speak clearly and firmly.
.
* Ability to work well individually and in a team setting.
* Thorough understanding of consumer financial services and collecting bad debt.
* Ability to use good business judgment.
* Ability to resolve most member complaints prior to escalation.
* Ability to use a personal computer, with emphasis on Microsoft Word, 10key, adding machine, and other related equipment.
* Thorough understanding of Temenos, Accurint, DNA, and any other applicable SAFE Credit Union programs.
* Good understanding of qualifications for SAFE’s workout programs.
_*WORK ENVIRONMENT/PHYSICAL DEMANDS SUMMARY*_ *LANGUAGE SKILLS* * Excellent communication skills (verbal, written, listening skills, and empathy).
* Expert ability to build relationships with other leaders, business partners, and stakeholders.
* Ability to read and comprehend simple instructions, short correspondence, and memos.
* Ability to write simple correspondence.
* Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.
*MATHEMATICAL SKILLS AND REASONING ABILITY* * Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.
* Ability to compute rate, ratio, and percentage, and to create and interpret charts and graphs.
* Ability to apply common sense understanding to carry out detailed but uninvolved written or oral instructions.
* Ability to deal with problems involving a few concrete variables in standardized situations.
*PHYSICAL DEMANDS AND WORK ENVIRONMENT* 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 regularly required to sit and talk or hear, and use hands to finger, handle, or feel objects, tools, or controls.
* The employee is occasionally required to stand; walk; reach with hands and arms; and stoop, kneel, crouch, or crawl.
* The employee must occasionally lift and/or move up to 10 pounds.
* Specific vision abilities required by this job include close vision.
* The noise level in the work environment is usually moderate.
Job Type: Full-time Pay: $22.
00 - $25.
00 per hour Expected hours: 40 per week Benefits: * 401(k) * 401(k) matching * Dental insurance * Employee assistance program * Employee discount * Flexible spending account * Health insurance * Health savings account * Life insurance * Paid time off * Referral program * Tuition reimbursement * Vision insurance Physical setting: * Office Schedule: * 8 hour shift * Day shift Ability to Relocate: * Folsom, CA 95630: Relocate before starting work (Required) Work Location: Hybrid remote in Folsom, CA 95630