Member Care Support and Asset Management - Member Care Support I
Golden 1 Credit Union, Sacramento, CA, United States
General Description
Perform and conduct advanced to complex monetary and non-monetary transactions, including complex journal entries and bookkeeping on Member accounts serviced by Member Care. Ensure accurate and timely financial entries to member’s accounts while effectively balancing remittance reports from third‑party collection agencies, bankruptcy trustees, and auto auctions to maintain accurate financial record keeping. Research and resolve variances on account entries and assist the Supervisor on special projects.
Tasks, Duties & Functions
Process all Member Care payments and adjustments within SLA.
Balance daily teller work, including GL-to-GL transactions.
Review delinquent accounts 150 to 180 days past due and write‑off small account balances on personal loans, Visa, and negative shares.
Sort legal mail received, process stored vehicle and lien sale notices, and update the servicing system to prevent lien losses.
Review and close open line‑of‑credit accounts and revoke Visa accounts based on delinquency status.
Draw corporate checks for charge‑off accounts pending expulsion, as needed.
Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance, including bank secrecy and anti‑money laundering laws relevant to the position.
Perform charge‑offs on negative shares, Visa, and consumer loans monthly.
Administer the expulsion process by identifying and researching accounts associated with account losses.
Identify assets associated with members’ accounts and process delinquency offsets and account closures.
Post and balance all Chapter 13, collection agency, and attorney suit payments.
Process and post all gap and warranty cancellation payments on auto repossession accounts.
Research and resolve variances on payment account disputes and validate debt requests.
Maintain the knowledge and ability to create and send out all deficiency balance letters on repossessed vehicles.
Assist the Supervisor on ongoing departmental projects.
Perform other duties as assigned.
Physical Skills, Abilities, and Exertion
Effective oral and written communication skills required to interact with internal staff and constructively adjust and follow‑up on member accounts.
Must possess sufficient manual dexterity to skillfully operate an online computer terminal and other standard office equipment, such as financial calculators and 10‑key.
Must work independently with minimal direction and exhibit own initiative.
Organizational Contacts & Relationships
Internal: Branch management and staff, Real Estate, Centralized Lending, IRA, Accounting, and Payroll Deduction Departments.
External: Members, outside adjusters, credit reporting agencies, and collection agencies.
Qualifications
Education: High school curriculum required; AA degree in Accounting or equivalent education and training preferred.
Experience: Minimum two years performing journal entry, reconciliation, and research work in a similar position within a financial institution.
Knowledge / Skills: Credit union and collection rules, regulations, and policies; proficiency with typewriter, ten‑key, electronic banking equipment, and personal computer. Ability to perform Collection Tech I and II tasks. Detail oriented, highly organized, and capable of working independently.
Physical Requirements
Prolonged sitting throughout the workday with occasional mobility required.
Corrected vision within the normal range.
Hearing within normal range; a hearing device will be provided if needed.
Occasional movements throughout the department daily to interact with staff and accomplish tasks.
Licenses / Certifications
None
Employment Information
This job description provides an overview of the general scope and level of work expected to be performed but is not an exhaustive list of all duties or responsibilities associated with the position. The credit union reserves the right to modify, add, or remove duties as needed without advance notice. Employees may be required to perform additional tasks and duties as directed by their supervisor, provided such tasks are within the employee’s knowledge, skills, and abilities, or can be performed with reasonable training. Nothing in this job description alters the at‑will employment relationship or limits the credit union’s right to assign or reassign duties and responsibilities to this position at any time.
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Perform and conduct advanced to complex monetary and non-monetary transactions, including complex journal entries and bookkeeping on Member accounts serviced by Member Care. Ensure accurate and timely financial entries to member’s accounts while effectively balancing remittance reports from third‑party collection agencies, bankruptcy trustees, and auto auctions to maintain accurate financial record keeping. Research and resolve variances on account entries and assist the Supervisor on special projects.
Tasks, Duties & Functions
Process all Member Care payments and adjustments within SLA.
Balance daily teller work, including GL-to-GL transactions.
Review delinquent accounts 150 to 180 days past due and write‑off small account balances on personal loans, Visa, and negative shares.
Sort legal mail received, process stored vehicle and lien sale notices, and update the servicing system to prevent lien losses.
Review and close open line‑of‑credit accounts and revoke Visa accounts based on delinquency status.
Draw corporate checks for charge‑off accounts pending expulsion, as needed.
Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance, including bank secrecy and anti‑money laundering laws relevant to the position.
Perform charge‑offs on negative shares, Visa, and consumer loans monthly.
Administer the expulsion process by identifying and researching accounts associated with account losses.
Identify assets associated with members’ accounts and process delinquency offsets and account closures.
Post and balance all Chapter 13, collection agency, and attorney suit payments.
Process and post all gap and warranty cancellation payments on auto repossession accounts.
Research and resolve variances on payment account disputes and validate debt requests.
Maintain the knowledge and ability to create and send out all deficiency balance letters on repossessed vehicles.
Assist the Supervisor on ongoing departmental projects.
Perform other duties as assigned.
Physical Skills, Abilities, and Exertion
Effective oral and written communication skills required to interact with internal staff and constructively adjust and follow‑up on member accounts.
Must possess sufficient manual dexterity to skillfully operate an online computer terminal and other standard office equipment, such as financial calculators and 10‑key.
Must work independently with minimal direction and exhibit own initiative.
Organizational Contacts & Relationships
Internal: Branch management and staff, Real Estate, Centralized Lending, IRA, Accounting, and Payroll Deduction Departments.
External: Members, outside adjusters, credit reporting agencies, and collection agencies.
Qualifications
Education: High school curriculum required; AA degree in Accounting or equivalent education and training preferred.
Experience: Minimum two years performing journal entry, reconciliation, and research work in a similar position within a financial institution.
Knowledge / Skills: Credit union and collection rules, regulations, and policies; proficiency with typewriter, ten‑key, electronic banking equipment, and personal computer. Ability to perform Collection Tech I and II tasks. Detail oriented, highly organized, and capable of working independently.
Physical Requirements
Prolonged sitting throughout the workday with occasional mobility required.
Corrected vision within the normal range.
Hearing within normal range; a hearing device will be provided if needed.
Occasional movements throughout the department daily to interact with staff and accomplish tasks.
Licenses / Certifications
None
Employment Information
This job description provides an overview of the general scope and level of work expected to be performed but is not an exhaustive list of all duties or responsibilities associated with the position. The credit union reserves the right to modify, add, or remove duties as needed without advance notice. Employees may be required to perform additional tasks and duties as directed by their supervisor, provided such tasks are within the employee’s knowledge, skills, and abilities, or can be performed with reasonable training. Nothing in this job description alters the at‑will employment relationship or limits the credit union’s right to assign or reassign duties and responsibilities to this position at any time.
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