WPCCU
Credit Resolution Support Specialist
WPCCU
Responsibilities
Monitor and maintain sub-ledgers, reconcile, and research accounts to clear variances.
Participate in department projects.
Maintain a basic understanding of state and federal laws and regulations related to credit union compliance, including BSA, OFAC, and anti‑money laundering laws.
Assist in audits and reconciliations on account types including the following:
Vehicle/RV loans
Personal Loan
Line of Credit
Credit Card
Collection payments
Collection extensions
Expulsion Process
Account closure
Negative Shares, Visa, and Loan Charge‑offs.
Review delinquent accounts 150 to 180 days past due and write‑off small account balances on personal loans, Visa, and negative shares.
Assign charge‑off accounts to collection agencies.
Process payments received on charged‑off loans.
Post and balance all Chapter 13, collection agency, and attorney suit payments.
Process charge‑off loans as approved by the Board of Directors.
Make corrections or process changes to loan payments.
Independently work with WPCCU departments to resolve member disputes.
Foster a positive and engaging work environment by sharing best practices and industry standards.
Maintain positive communication through words and actions, modeling WPCCU mission, vision and core values.
Handle escalations related to complex credit bureau inquiries and disputes from members, dealers, financial institutions, vendors/partners and credit reporting agencies.
Maintain a thorough understanding of state and federal laws and regulations related to credit bureau reporting, including but not limited to the Consumer Credit Reporting Agencies Act, Unfair or Deceptive Acts or Practices, Fair and Accurate Credit Transactions Act (FACT Act), Fair Credit Reporting Act (FCRA), BSA and Anti‑Money Laundering laws.
Work, create, and analyze reports necessary to ensure work is completed according to required timelines, procedures and regulations.
Perform necessary research and actions based on report findings, and trend analysis notifying management of status, any issues and proposed resolutions.
Review, analyze, and ensure accuracy of credit reporting process.
Evaluate and ensure OSCAR disputes are accurate, complete and compliant.
Review incoming correspondence, information researched, and response paperwork for truthfulness, accuracy, and consistency.
Apply fraud detection and prevention techniques.
Create lien releases and payoff reports.
Ensure payments are posted within regulatory and industry best practices.
Provide additional support throughout the department and perform other tasks and duties as needed.
Qualifications
Education: High school curriculum required; AA degree in accounting or equivalent combination of education and training preferred.
Experience: Three years or more performing journal entry, reconciliation, and research work in a similar position within a financial institution.
Knowledge/Skills: Strong oral and written communication skills; demonstrated knowledge of financial services products and BSA, OFAC, FDCPA, FCRA, FACTA regulations; strong knowledge of GAAP, ten‑key, Journal Voucher protocol, General Ledger system; analytical skills and problem‑solving ability with ability to balance and reconcile GL accounts.
Disclaimer The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.
Equal Employment Opportunity Statement Water and Power Community Credit Union is an equal opportunity employer. We are committed to equal employment opportunity regardless of race, color, religion, sex, national origin, sexual orientation, age, citizenship, marital or family status, mental or physical disability, gender identity or Veteran status. We also consider qualified applicants regardless of criminal histories, consistent with legal requirements. If you have a disability or special need that requires accommodation, please let us know.
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Responsibilities
Monitor and maintain sub-ledgers, reconcile, and research accounts to clear variances.
Participate in department projects.
Maintain a basic understanding of state and federal laws and regulations related to credit union compliance, including BSA, OFAC, and anti‑money laundering laws.
Assist in audits and reconciliations on account types including the following:
Vehicle/RV loans
Personal Loan
Line of Credit
Credit Card
Collection payments
Collection extensions
Expulsion Process
Account closure
Negative Shares, Visa, and Loan Charge‑offs.
Review delinquent accounts 150 to 180 days past due and write‑off small account balances on personal loans, Visa, and negative shares.
Assign charge‑off accounts to collection agencies.
Process payments received on charged‑off loans.
Post and balance all Chapter 13, collection agency, and attorney suit payments.
Process charge‑off loans as approved by the Board of Directors.
Make corrections or process changes to loan payments.
Independently work with WPCCU departments to resolve member disputes.
Foster a positive and engaging work environment by sharing best practices and industry standards.
Maintain positive communication through words and actions, modeling WPCCU mission, vision and core values.
Handle escalations related to complex credit bureau inquiries and disputes from members, dealers, financial institutions, vendors/partners and credit reporting agencies.
Maintain a thorough understanding of state and federal laws and regulations related to credit bureau reporting, including but not limited to the Consumer Credit Reporting Agencies Act, Unfair or Deceptive Acts or Practices, Fair and Accurate Credit Transactions Act (FACT Act), Fair Credit Reporting Act (FCRA), BSA and Anti‑Money Laundering laws.
Work, create, and analyze reports necessary to ensure work is completed according to required timelines, procedures and regulations.
Perform necessary research and actions based on report findings, and trend analysis notifying management of status, any issues and proposed resolutions.
Review, analyze, and ensure accuracy of credit reporting process.
Evaluate and ensure OSCAR disputes are accurate, complete and compliant.
Review incoming correspondence, information researched, and response paperwork for truthfulness, accuracy, and consistency.
Apply fraud detection and prevention techniques.
Create lien releases and payoff reports.
Ensure payments are posted within regulatory and industry best practices.
Provide additional support throughout the department and perform other tasks and duties as needed.
Qualifications
Education: High school curriculum required; AA degree in accounting or equivalent combination of education and training preferred.
Experience: Three years or more performing journal entry, reconciliation, and research work in a similar position within a financial institution.
Knowledge/Skills: Strong oral and written communication skills; demonstrated knowledge of financial services products and BSA, OFAC, FDCPA, FCRA, FACTA regulations; strong knowledge of GAAP, ten‑key, Journal Voucher protocol, General Ledger system; analytical skills and problem‑solving ability with ability to balance and reconcile GL accounts.
Disclaimer The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.
Equal Employment Opportunity Statement Water and Power Community Credit Union is an equal opportunity employer. We are committed to equal employment opportunity regardless of race, color, religion, sex, national origin, sexual orientation, age, citizenship, marital or family status, mental or physical disability, gender identity or Veteran status. We also consider qualified applicants regardless of criminal histories, consistent with legal requirements. If you have a disability or special need that requires accommodation, please let us know.
#J-18808-Ljbffr