Collections Associate I

Job Summary

Required Qualifications

• •Knowledge of laws and regulations affecting lending and collections
• •Knowledge of bankruptcy, repossessions, and third-party collections
• •Knowledge of organization's policies/procedures and Credit Union's service philosophy
• •Knowledge of the Credit Union's in-house computer system
• •Knowledge of the Credit Union's products and services
• •Knowledge of the legal, insurance, regulatory, economic, competitive, and technology environments that may affect the collections operation function
• •A sighted person to read and interpret financial data
• •Ability to communicate verbally and in writing with staff, members and vendors
• •Ability to perform necessary computer-related input
• •Moderate mobility required
• •Ability to understand and follow complex written and oral instructions
• •Ability to comprehend complex functions and procedures and to be able to disseminate that knowledge in a clear and understandable format to others
• •Ability to express oneself, clearly and concisely, both orally and in writing
• •Ability to interact positively with co-workers, management, and the public to promote a team effort and maintain a positive attitude even under extreme pressure
• •Ability to remain professional and calm during conversations for members who are in delinquent status
• •Ability to provide financial education and World Class Member Service while collecting overdue payments from members
• •Ability to think critically and provide recommendations for the member's financial well-being
• •Ability to prepare and maintain confidential records and reports
• •Ability to gather, assemble, correlate, and analyze facts and develop solutions
• •Ability to analyze statistics and financial data
• •High school level of language, math and reasoning skills
• •Zero to two years' experience in a related field with equal responsibilities is acceptable
• •Ability to independently manage the collections queue assignments and set deadlines
• •Ability to collaborate with team members and cross-train where appropriate
• •Ability to process third party payments
• •Ability to process garnishments
• •Ability to work on various reports with internal and external stakeholders
• •Ability to process consumer credit counseling proposals and payments
• •Elevated ability for high-conflict conversations with members and vendors
• •Occasional travel to one of BHFCU's branch locations or attendance at community events may be required
• •Ability to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 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 regular, reliable and timely attendance
• •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
• •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 capable of exercising highest level of discretion on both internal and external confidential matters