Collector II Job at 121 Financial Credit Union
We are seeking a Collector II!
We are a credit union, not a bank. We are a cooperative and owned by our members (our name for customers) and we think it’s pretty cool. We empower our team to deliver innovative solutions through one-to-one service by focusing on the unique value of every member. Our mission is growing together, prospering together.
We like to think outside the box at 121 Financial, we work hard, grow, have fun, and never do things “just because that’s the way it’s always been done.”
We’re looking for individuals who enjoy working as part of a team, are passionate about providing excellent service, and who want to contribute something meaningful to their work and their community.
When you join 1-2-1 you will experience a people helping people culture, focused on making a difference in the lives of our members, community and employees! We are always looking for ambitious and enthusiastic employees with the drive to improve the well-being of others. If you fit the bill and want to be a part of the 1-2-1 difference keep checking on our current job openings and apply!
121 Financial is committed to employing a diverse workforce. Qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, gender expression, protected veteran status, or disability. We maintain a drug-free workplace and may perform pre-employment substance abuse testing.
1-2-1 Employee Benefits
As Jacksonville’s hometown credit union, we are dedicated to delivering competitive benefits that enhance our employee’s quality of life. Beyond healthcare, dental, and life insurance, we make it worth your while. 1-2-1 team members received a generous company contribution to their 401k, holiday pay, generous paid time off, tuition reimbursement benefits and employee discounts on products and services. We provide competitive pay that will be determined based on experience and internal equity factors.
The primary function of this position is to assist the Credit Union in achieving its mission: building relationships with members, associates, and the community by providing personal solutions to inspire financial well-being. To achieve this goal, this position must deliver outstanding service to both internal and external members as defined by our Service Promises. A key component of this service is to identify needs and offer solutions at every opportunity. Additionally, this position contacts members who are late/delinquent on their loan, credit card and/or negative balance accounts in order to mitigate losses to the Credit Union. Recommends further action on accounts as deemed necessary (includes but not limited to): repossession, legal action, foreclosure and referral to collection agency.
Major Duties and Responsibilities
Role
- Analyzes financial situation of delinquent members and makes recommendations according to their reason for delinquency. Offer solutions such as, but not limited to, payment arrangements on the delinquent amount, skip a pay, extension or workout plans if warranted. Recommendations to repossess collateral or charge off may be recommended if all other arrangements or solutions are not feasible or are unsuccessful.
- Search internet, public records, city and telephone directories, credit bureau reports, Accurint, etc., to locate members and or member assets. Send collection letters and respond to correspondence received from members.
- Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Follows established company policies and procedures, including but not limited to: Sarbanes Oxley controls, Business Ethics and Standard of Conduct, Electronic Communications, Confidentiality and Privacy. Required to attend or participate in necessary compliance training and score a 90% or better on the annual Product Knowledge assessment.
Knowledge and Skills
EXPERIENCE
Two to Five years of similar or related experience, including time spent in preparatory positions.
Two to Five years of Repossession Experience.
EDUCATION/CERTIFICATIONS/UCENSES
A high school degree or GED is required.
A high school degree or GED is required.
INTERPERSONAL SKILLS
A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In-. depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. Communications can involve motivating, influencing, educating and/or advising others on matters of significance.
A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In-. depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. Communications can involve motivating, influencing, educating and/or advising others on matters of significance.
OTHER SKILLS
Must have above average communication skills and working knowledge of Microsoft Office Products.
ADA Requirements
PHYSICAL REQUIREMENTS
Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 5 lbs. Must be capable of climbing / descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of local travel as driver and travel by commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities. Must be capable of regular, reliable and timely attendance.
WORKING CONDITIONS
Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.
MENTAL AND/OR EMOTIONAL REQUIREMENTS
Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.
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