Collector I
Red Canoe Credit Union, Longview, WA, United States
Red Canoe Credit Union Job Opportunity
Red Canoe Credit Union hires passionate, knowledgeable, and dependable individuals who are committed to making a difference. As a not-for-profit financial institution owned by our members, we believe in the value of people over profit. If you're looking for a place to start a rewarding career you can be proud of, then Red Canoe might be the place for you.
We've been a cooperative since 1937. That means any money we earn goes back to our members, not into the pockets of stockholders like a bank. For more than 80 years, we've held the traditions of credit unions near and dear to our hearts. We are not for profit, but for people.
Red Canoe Credit Union has 10 branches spread across Washington and Oregon. We even have members living in all 50 states. But Red Canoe is still a local credit union at its core. For us, being local means an ongoing commitment to go beyond serving our members and giving back to the communities we call home. At Red Canoe, we strive to make a difference in the lives of our neighbors.
Position Purpose
Responsible to work on delinquent accounts daily. Correspond with members in writing, in person and over the telephone for repayment of delinquent accounts. Analyze all types of adjustments and corrections that affect member's accounts. Recommend and upon approval, initiate collection procedures necessary to protect assets of the credit union. Assign losses to outside agencies to increase credit union recoveries.
Essential Job Functions
Member Relations - Answer incoming calls and assist members with any problems or concerns regarding their accounts. Assist members with finding a solution to short/long term financial issues.
Delinquent Accounts - Collect delinquent accounts daily. Work with Collection Agencies on assignments of charged off loans and shares.
Documentation - Maintain updated and accurate documentation of all conversations, actions taken, and arrangements made with members.
Loan Modifications/Adjustments. Process loan modifications for vacations, financial difficulties, unemployment, payroll problems, job changes, disability, etc. Reviews and processes adjustments.
Correspondance. Professionally conduct business relations with members, staff, organizations, and vendors. Contact members to collect and resolve overdrawn shares and share draft accounts.
Other Basic Duties
Completes and scans approved extensions and notifies member by mail of new due date.
Files insurance skip claims, CPI claims, and follow up processing.
Performs other tasks, including but not limited to, certain complex clerical duties, as assigned by the Collections Management.
Serve as a backup to other employees within the department.
Serve as a team member who willingly works with other department staff.
Have knowledge of laws and regulations that affect the department's processes.
Collect overdrawn share accounts.
Provide financial counseling and possible alternatives to delinquent members.
Review corrections and recommend adjustments to member's accounts.
Responsible for skip payments and due date changes.
Knowledgeable of credit union lending procedures, collection policies, repossession laws, foreclosure requirements, bankruptcy law, credit reporting procedures and all applicable collections laws.
Familiar with Federal and State regulatory collection rules and practices.
Process and set up repossessions and foreclosures, temporary payment plans, skip payments, automatic transfers, litigation, and repossession dealers, as needed.
Answer incoming calls regarding various insurance programs and refer them to the appropriate person.
Authorized to sign off on motor vehicle titles.
Assist insurance officer in attempts to resolve problems regarding insurance coverage.
Recommends charge offs.
Other duties as assigned by management.
Maintains cleanliness and security of work area, desks, equipment, and all credit union's property.
Fills, completes, files and processes probate claims.
Process adjustments due to misapplied payments.
Basic Requirements
Must be bondable.
Ability to handle the urgencies and complexities commensurate with the position, arriving at constructive solutions and maintaining positive relationships.
Office equipment proficiency.
Minimum Qualifications
High school diploma or equivalent.
Minimum of six months previous credit union or collection experience.
Keyboard proficiency; typing speed 30 WPM.
Ability to hear by telephone and in person.
Ability to read English; and both speak and write English.
Essential Mental, Physical & Environmental Demands
General -
The physical demands described here are representative of those that must be to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this position, the employee is regularly required to talk or hear. The employee frequently is required to use hands or finger, handle, or feel objects, tools, or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl.
Physical -
Office mobility required. Approximately 20% standing, 70% sitting, 10% walking, as need demands. Possess sufficient manual dexterity to skillfully operate standard office equipment including a computer or typewriter keyboard, 10-key calculator, facsimile machine, photocopier, and telephone. Other demands include talking, handling & reaching, seeing (corrected vision) and hearing in normal range. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. A telephone device to enhance hearing will be provided if needed. Occasional light lifting. The employee must occasionally lift and/or move up to 30 pounds. Periodic inter-branch or interdepartmental access may be required, including for distribution and access to various materials, equipment, meetings, etc. Storage and retrieval of materials, maximum reach required is 84 inches.
Mental -
Mental effort required involving considerable organization, planning, and analytical efforts with superior communication. General demands include alertness, memory, observation, empathy, ingenuity, learning ability, problem solving; patience; initiative; memory; objectivity, creativity, speaking ability, reading, and writing ability, judgment, persuasiveness, concentration, flexibility, precision, and auditory discrimination.
Environmental -
Minimal discomfort from heat, dust, air conditioning. The noise level is usually moderate, including external road noise. Transport within remote branch and/or main office/facility may be single or multilevel (as required) including a variety of stairways, elevators, etc. Exposure to computer and other electronic equipment. Lunch/break area exposed to microwave; and is in the basement at main office. Facility is 100% free of tobacco smoke.
Equipment -
Essential equipment used includes, but may not be limited to telephone, personal computer, other on-line computer terminal(s), calculator, office security systems. Non-essential equipment generally includes paper shredder, typewriter, photocopy machine, facsimile (fax) machine, etc.
Benefits
Medical, Dental & Vision Insurance
Employee Assistance Program
Life Insurance
401K with employer match
Wellness Program
Flexible Spending Account
PTO leave
Paid Jury Duty Leave
Paid volunteer time
Annual logo wear allowance
Gym Reimbursement
Tuition Reimbursement for full time employees
Employee loan discount
EEO/AAEmployer/Vets/Disabled/Race/Ethnicity/Sex/Age
Red Canoe Credit Union hires passionate, knowledgeable, and dependable individuals who are committed to making a difference. As a not-for-profit financial institution owned by our members, we believe in the value of people over profit. If you're looking for a place to start a rewarding career you can be proud of, then Red Canoe might be the place for you.
We've been a cooperative since 1937. That means any money we earn goes back to our members, not into the pockets of stockholders like a bank. For more than 80 years, we've held the traditions of credit unions near and dear to our hearts. We are not for profit, but for people.
Red Canoe Credit Union has 10 branches spread across Washington and Oregon. We even have members living in all 50 states. But Red Canoe is still a local credit union at its core. For us, being local means an ongoing commitment to go beyond serving our members and giving back to the communities we call home. At Red Canoe, we strive to make a difference in the lives of our neighbors.
Position Purpose
Responsible to work on delinquent accounts daily. Correspond with members in writing, in person and over the telephone for repayment of delinquent accounts. Analyze all types of adjustments and corrections that affect member's accounts. Recommend and upon approval, initiate collection procedures necessary to protect assets of the credit union. Assign losses to outside agencies to increase credit union recoveries.
Essential Job Functions
Member Relations - Answer incoming calls and assist members with any problems or concerns regarding their accounts. Assist members with finding a solution to short/long term financial issues.
Delinquent Accounts - Collect delinquent accounts daily. Work with Collection Agencies on assignments of charged off loans and shares.
Documentation - Maintain updated and accurate documentation of all conversations, actions taken, and arrangements made with members.
Loan Modifications/Adjustments. Process loan modifications for vacations, financial difficulties, unemployment, payroll problems, job changes, disability, etc. Reviews and processes adjustments.
Correspondance. Professionally conduct business relations with members, staff, organizations, and vendors. Contact members to collect and resolve overdrawn shares and share draft accounts.
Other Basic Duties
Completes and scans approved extensions and notifies member by mail of new due date.
Files insurance skip claims, CPI claims, and follow up processing.
Performs other tasks, including but not limited to, certain complex clerical duties, as assigned by the Collections Management.
Serve as a backup to other employees within the department.
Serve as a team member who willingly works with other department staff.
Have knowledge of laws and regulations that affect the department's processes.
Collect overdrawn share accounts.
Provide financial counseling and possible alternatives to delinquent members.
Review corrections and recommend adjustments to member's accounts.
Responsible for skip payments and due date changes.
Knowledgeable of credit union lending procedures, collection policies, repossession laws, foreclosure requirements, bankruptcy law, credit reporting procedures and all applicable collections laws.
Familiar with Federal and State regulatory collection rules and practices.
Process and set up repossessions and foreclosures, temporary payment plans, skip payments, automatic transfers, litigation, and repossession dealers, as needed.
Answer incoming calls regarding various insurance programs and refer them to the appropriate person.
Authorized to sign off on motor vehicle titles.
Assist insurance officer in attempts to resolve problems regarding insurance coverage.
Recommends charge offs.
Other duties as assigned by management.
Maintains cleanliness and security of work area, desks, equipment, and all credit union's property.
Fills, completes, files and processes probate claims.
Process adjustments due to misapplied payments.
Basic Requirements
Must be bondable.
Ability to handle the urgencies and complexities commensurate with the position, arriving at constructive solutions and maintaining positive relationships.
Office equipment proficiency.
Minimum Qualifications
High school diploma or equivalent.
Minimum of six months previous credit union or collection experience.
Keyboard proficiency; typing speed 30 WPM.
Ability to hear by telephone and in person.
Ability to read English; and both speak and write English.
Essential Mental, Physical & Environmental Demands
General -
The physical demands described here are representative of those that must be to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this position, the employee is regularly required to talk or hear. The employee frequently is required to use hands or finger, handle, or feel objects, tools, or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl.
Physical -
Office mobility required. Approximately 20% standing, 70% sitting, 10% walking, as need demands. Possess sufficient manual dexterity to skillfully operate standard office equipment including a computer or typewriter keyboard, 10-key calculator, facsimile machine, photocopier, and telephone. Other demands include talking, handling & reaching, seeing (corrected vision) and hearing in normal range. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. A telephone device to enhance hearing will be provided if needed. Occasional light lifting. The employee must occasionally lift and/or move up to 30 pounds. Periodic inter-branch or interdepartmental access may be required, including for distribution and access to various materials, equipment, meetings, etc. Storage and retrieval of materials, maximum reach required is 84 inches.
Mental -
Mental effort required involving considerable organization, planning, and analytical efforts with superior communication. General demands include alertness, memory, observation, empathy, ingenuity, learning ability, problem solving; patience; initiative; memory; objectivity, creativity, speaking ability, reading, and writing ability, judgment, persuasiveness, concentration, flexibility, precision, and auditory discrimination.
Environmental -
Minimal discomfort from heat, dust, air conditioning. The noise level is usually moderate, including external road noise. Transport within remote branch and/or main office/facility may be single or multilevel (as required) including a variety of stairways, elevators, etc. Exposure to computer and other electronic equipment. Lunch/break area exposed to microwave; and is in the basement at main office. Facility is 100% free of tobacco smoke.
Equipment -
Essential equipment used includes, but may not be limited to telephone, personal computer, other on-line computer terminal(s), calculator, office security systems. Non-essential equipment generally includes paper shredder, typewriter, photocopy machine, facsimile (fax) machine, etc.
Benefits
Medical, Dental & Vision Insurance
Employee Assistance Program
Life Insurance
401K with employer match
Wellness Program
Flexible Spending Account
PTO leave
Paid Jury Duty Leave
Paid volunteer time
Annual logo wear allowance
Gym Reimbursement
Tuition Reimbursement for full time employees
Employee loan discount
EEO/AAEmployer/Vets/Disabled/Race/Ethnicity/Sex/Age