• Job Description

  Req#: 143288

  Job Details

  Level: Entry

  Job Location: Headquarters - Spokane Valley, WA

  Position Type: Full Time

  Education Level: High School

  Salary Range: $18.84 - $28.25 Hourly

  Travel Percentage: None

  Job Shift: Day

  Job Category: Banking

  Description

  Collector 1

  Department: Accounts Control

  Salary Range: N7, Spokane & North Idaho $18.84- $28.25

  Reports to: Accounts Control Assistant Manager

  SUMMARY:

  With the goal of enhancing lives, fulfilling dreams, and building communities, this position, under moderate supervision, is primarily responsible for the collection of all early-stage delinquent accounts. Such accounts include, but are not limited to, consumer loans, credit cards, negative shares, and payday loans. This position is responsible for locating and notifying members of delinquent accounts by mail, email, or telephone to resolve delinquency, in addition to updating and maintaining member files when appropriate.

  ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

  To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • Contributes to the organization's mission statement and goals by providing the highest quality of service, treating each person professionally - with warmth, courtesy and respect, cross-selling additional services when appropriate, and making a personal effort to make members feel they belong and are important to the credit union.
  • Maintains knowledge and adheres to all BSA regulations and compliance standards on internal and external policies.
  • Contacts delinquent borrowers by telephone, by email, or by mail to encourage prompt repayment of delinquent accounts. May also contact delinquent borrowers in person.
  • Confers with members to determine reason for overdue payment, reviewing terms of loan, charge, or credit contract with member.
  • Maintains verbal and written contact with members and others associated with overdue obligations.
  • Educates members about the advantages of prompt payment as well as the disadvantages of paying late.
  • Records information about financial status of member and status of collection efforts in the appropriate records of the credit union.
  • Develops a clear understanding of collecting all collection accounts which includes a thorough understanding of reading payment history and transactions in Symitar.
  • Determines when loan collateral should be recommended for repossession.
  • Notifies co-borrowers regarding the status of delinquent accounts
  • Identifies members that may benefit from other services offered by the credit union and takes advantage of opportunities to cross sell.
  • Identifies members that are unresponsive, unwilling and/or unable to pay and submits recommendations to the team lead or a department manager.
  • May assist with the collection of charged off accounts being handled in-house.
  • Maintains professional written communication and documentation, both internally and externally, including appropriate use of grammar, punctuation, and spelling.
  • Actively partners and collaborates with management during monthly and individual dialogs.
  • Identifies the need for process and procedure updates and submits recommendations to management.
  • Develops a clear understanding of delinquency, and tracks delinquency trends.
  • Collaborates with teammates to improve delinquency resolution processes.
  • Maintains orderly, indexed files and records for all accounts; Either physical files for specialty situations or electronic files within the collection system.
  • Effectively incorporates concepts of CML and CARES Principles in daily behaviors and interactions: Connect – Create a welcoming, energized, and warm environment, A sk – Discover and confirm others’ needs to ensure they feel understood and known, Resolve – Take personal and full responsibility for meeting others’ needs, Elevate – Commit to long-term personal and organizational growth and improvement, Strengthen – Invest in our Numerica community and beyond.
  • Other Duties as assigned

  SUPERVISORY RESPONSIBILITIES:

  No supervisory/managerial responsibilities.

  PERFORMANCE STANDARDS:

  Persistent in daily and weekly collection routines regarding delinquent account identification and follow up. Professional attitude and appearance as well as the ability to communicate well with borrowers and fellow staff members.

  EDUCATION and/or EXPERIENCE:

  Minimum: High school diploma or general education degree (GED); plus, a minimum of one-year related experience and/or training; or equivalent combination of education and experience.

  PREFERRED EXPERIENCE:

  Relevant experience in a credit union, bank, or other financial institution or experience in a call center and/or sales position is preferred.

  LANGUAGE SKILLS:

  Ability to read and interpret documents such as loan documents, regulation regarding collections, and policy and procedure manuals. Ability to write routine reports and correspondence. Bilingual (English/Spanish) a plus.

  INTERPERSONAL SKILLS

  A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature. Work may involve motivating, influencing and training others. Outside contacts become important and fostering sound relationships with other entities, companies and/or individuals, becomes necessary.

  CERTIFICATES, LICENSES, REGISTRATIONS:

  No requirement.

  An NMLS registration is preferred and must be updated annually.

  OTHER SKILLS and ABILITIES:

  • Ability to operate general office machines and equipment such as: email, photocopier, fax machine, word processor, personal computer, and printers.
  • Ability to effectively communicate verbally and in writing.
  • Ability to work in a team environment.
  • Ability to accept and act on feedback.
  • Ability to handle stressful situations and maintain composure.
  • The ability to lift up to 25 lbs.

  Numerica Credit Union Benefits and Perks -

  Learn more about our Benefits and Perks here- https://www.numericacu.com/globalassets/images/pdfs/employee-benefits-summary-numerica.pdf

  
  

  Numerica Credit Union is an Equal Opportunity/Affirmative Action Employer

  Numerica Credit Union provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

  If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for purposes of participating in the application/hiring process with Numerica Credit Union. If you are unable or limited in your ability to use or access Numerica Credit Union’s career page at www.numericacu.com as a result of your disability, you can request reasonable accommodations by calling (509) 385-1660.

• About the company

  Numerica Credit Union is a credit union serving Eastern Washington state and the Northern Idaho Panhandle.

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