Salary Range: $25.00 - 32.00

MY CREDIT UNION offers a comprehensive benefit package that includes: Medical, Dental, Vision, Life, STD, LTD, PTO, Tuition Reimbursement, 401(k)/Retirement Plan with up to a 6% matching contribution and Paid holidays. 

JOB SUMMARY:

Supports the mission of the Credit Union by performing responsibilities for the control of delinquent consumer and real estate loans, as well as delinquent Visa accounts to mitigate losses.  Makes follow-up telephone calls on delinquent loans or overdrawn accounts and maintains accurate documentation on all such accounts.  Reviews delinquent consumer loans and Visa, as well as indirect loan files for proper documentation (i.e. co-signer signatures, liens, adherence to loan policy guidelines, etc.)

ESSENTIAL DUTIES & RESPONSIBILITIES:

Member Account & Payments Operations:

1. Contact delinquent members by telephone, email, and/or by letter to determine reasons for delinquency.
2. Serve as liaison/supervise relationship with outside agency in the collection efforts of all delinquent accounts.
3. Assist members with development of plans to return accounts to current status.
4. Notify co-signers of the delinquent account status.
5. Maintain and log collection activity on all delinquent accounts.
6. Secure credit bureau reports when necessary to obtain additional useful information to return the account to current status.
7. Skip-trace and investigate accounts with missing or outdated information
8. Consider and mail all extension requests
9. Research all types of electronic/automatic payments, payroll deductions and other changes that may affect loan repayment.
10. Consider and/or recommend and obtain approval of Member Solutions Manager, Director of Lending, and/or Chief Lending Officer on compromises and/or settlements on accounts, initiation of foreclosure or repossession proceedings.
11. Serve as liaison with legal counsel and agencies in the repossession and disposition of loan collateral.
12. File Conciliation Court and Bankruptcy claims, attend hearings, and follow-up with Court or Trustees on all judgments or claims.
13. Investigate and correct loan application and credit bureau discrepancies requested by members.
14. Provide delinquent account status reports at any applicable lending meetings.
15. Work eligible collectable charged-off accounts with outstanding balances.
16. Handle all forfeiture/seizure of collateral notices sent by law enforcement agencies or other agencies.
17. Maintain standards set by The Fair Debt Collections Practices Act
18. Perform other duties as assigned.

STANDARDS OF PERFORMANCE:

1. Always convey a professional image by being respectful, courteous, and considerate of members, co-workers through verbal and non-verbal communications, adhering to MY CREDIT UNION’s dress code, and maintain a clean organized workspace.
2. Follow MY CREDIT UNION’s Harassment, Discrimination and Respectful Conduct Policy and the Fraud Policy/Code of Ethics Statement.
3. Complies with Bank Secrecy Act/Anti-Money Laundering/CIP (U.S. Patriot Act) procedures and policies.

4.  Safeguard the confidentiality and security of member information and other sensitive data, in accordance with MY CREDIT UNION’s policies and procedures.

5.  To remain compliant and enforces all other MY Credit Union’s policies and procedures

6. Be an effective team member through cooperation, flexibility, dependability, attendance, lack of tardiness and participation at meetings and training.
7. Be an effective team member demonstrating the Member Advantage AIDINC process. 

MINIMUM QUALIFICATIONS:

Education: 

1. High school diploma, GED, or equivalent required.

Experience: 

1. Three to five years’ experience in consumer collection work.
2. Credit union experience preferred.
3. Knowledge of collection and bankruptcy regulations.
4. Excellent communication skills.
5. Excellent negotiation skills.

Other Required Knowledge, Skills, and Abilities: 

1. Must be bondable and demonstrate a high level of integrity and trustworthiness
2. Working knowledge of core processing systems
3. High level of attention to detail and accuracy in a deadlinedriven environment.
4. Effective written and verbal communication skills, including the ability to work collaboratively across departments.
5. Proficient in Microsoft Office applications and general computer usage.
6. Working knowledge of dealer program and collection systems.
7. Bilingual skills helpful.

EQUIPMENT USED:

1. Personal computer and standard office equipment.
2. Microsoft Office Suite (Excel, Word, Outlook).
3. Core banking, general ledger, and payment processing systems.
4. Other financial, accounting, and reporting software as required.

MENTAL & PHYSICAL DEMANDS/WORKING CONDITIONS:

Mental Effort:

1. Ability to manage multiple priorities and deadlines in a detailoriented, deadlinedriven environment.
2. Ability to exercise sound judgment and maintain a professional demeanor in timesensitive or highrisk situations.

Physical Requirements:

1. Ability to perform essential job functions primarily in an office environment.
2. Ability to sit or stand for extended periods; use hands and fingers to operate a computer keyboard, mouse, and standard office equipment; and communicate effectively.
3. Ability to occasionally lift and move materials weighing up to 35 pounds.

Working Conditions:

1. Work is primarily performed in an office environment with standard business hours.
2. Periodic overtime may be required during monthend close, audits, or peak processing periods.
3. Flexibility in scheduling may be required to support operational coverage or special projects.
4. Occasional travel between Credit Union locations may be required.

Disclaimer: This position description is intended to describe the general nature and level of work being performed by the person assigned to this position. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job. Employees holding this position will be required to perform any other position related duties as required by management. Individuals with disabilities will not be disqualified because of their inability to perform nonessential or marginal functions of the job. No selection criteria that screen out or tend to screen individuals with disabilities will be used by the credit union. The credit union will provide reasonable accommodations to assist individuals with disabilities based on guidelines within the Americans with Disabilities Act. MY CREDIT UNION is an EOE/Minorities, Women, Veterans, Disabilities.

Part Time

Flexible schedule between the hours of 8:15 - 5:15 M-F and 2-3 Saturdays a month. (schedule may vary) 

Hourly Rate:  $20.00 hr. - $24.50 hr. Depending on experience.
Plus, Monthly Incentives, Quarterly Bonuses, Referral Opportunities

MY CREDIT UNION offers a comprehensive benefit package that includes: Medical, Dental, Vision, Life, STD, LTD, Generous PTO, Tuition Reimbursement, 401(k)/Retirement Plan with up to a 6% matching contribution and Paid holidays. 

JOB SUMMARY:

To satisfy the needs of our members by providing quick and accurate service in a professional friendly manner.  This includes posting transactions, answering inquiries and respond to various member requests by providing routine information on Credit Union products & services, policies including eligibility for membership or referring members to appropriate personnel for more advanced issues.  This employee is always expected to maintain a professional appearance and comply with all Credit Union policies and procedures, including Standards of Conduct and Confidentiality.  

ESSENTIAL DUTIES AND RESPONSIBILITIES: 

1. Provides member and team support as described on MY CREDIT UNION’s Mission statement.
2. Represents the Credit Union in a courteous and professional manner, providing prompt, efficient and accurate service in the processing of transactions.
3. Properly follow security procedures, including but not limited to opening and closing procedures.
4. Cross sell Credit Union Products and Services
5. Responsible for regular and predictable attendance including punctuality.
6. Actively cross sells and maintain up-to-date knowledge on all products and services.
7. Performs other duties as needed or assigned.   

STANDARDS OF PERFORMANCE:

1. Always convey a professional image by being respectful, courteous, and considerate of members and co-workers through verbal and non-verbal communications, adhering to MY CREDIT UNION’s dress code, and maintain a clean organized workspace.
2. Follow MY CREDIT UNION’s Harassment, Discrimination and Respectful Conduct Policy and the Fraud Policy/Code of Ethics Statement.
3. Complies with Bank Secrecy Act/Anti-Money Laundering/CIP (U.S. Patriot Act) procedures and policies.

4. Safeguard the confidentiality and security of member information and other sensitive data, in accordance with MY CREDIT UNION’s policies and procedures.
5. To remain compliant with all other MY CREDIT UNION’s policies and procedures

6. Be an effective team member through cooperation, flexibility, dependability, attendance, lack of tardiness and participation at meetings and training. 

TELLER DUTIES: 

1. Perform routine member service transactions, including but not limited to, deposits, withdrawals, cash advances, loan payments, transfers, check cashing, selling gift cards, etc.
2. Respond and resolve member’s requests.
3. Provide account information regarding account status, current balances, and loan payoffs.
4. Follow internal security procedures for member identification.
5. Prepare and process Federal Reserve cash shipments and deliveries.
6. Prepare and process ATM shipment.
7. Follow internal balancing procedures.
8. Follow Safe Deposit Box procedures for member access.
9. Follow scanning procedures.
10. Order and fill branch supplies.
11. Included in a Saturday work schedule rotation. 

MINIMUM QUALIFICATIONS: 

Education:  

1. High School diploma or equivalent. 

Experience:  

1. 6 months or more of customer service.
2. Credit Union experience preferred. 

Other Required Knowledge, Skills, and Abilities:  

1. Excellent verbal and non-verbal communication skills.  Ability to speak effectively to members and employees of the organization.  Ability to read and interpret basic forms, credit union documents, operating and maintenance instructions, and procedure manuals.  

2. Desire, ability, and experience in working with and helping people in a professional setting with a professional business appearance.
3. Up-to-date and comprehensive knowledge of all MY CREDIT UNION’S products and services.
4. Proficiently operate a computer.  Working knowledge of Microsoft Office and Windows operating system. Ability to use copy machine, printer, and general office equipment.
5. Must be well organized.

6. Must be bondable and honest. 

EQUIPMENT USED:

• Microsoft 365, Microsoft Office Suite, 10-Key Calculator, Computer 

MENTAL & PHYSICAL DEMANDS/WORKING CONDITIONS: 

Mental Effort:

1. Able to manage multiple requests at the same time.
2. Able to maintain a professional demeanor in stressful circumstances.
3. Ability to communicate with the public. 

Physical Requirements:

1. The employee must be able to lift 35 pounds.
2. The employee is regularly required to stand for extended periods (6-8 hours a day).
3. Use their hands and fingers to handle or feel objects, tools, or controls; reach with hands and arms; and talk or hear.  
4. The employee is occasionally required to climb, balance, stoop, kneel, crouch, or crawl.
5. The employee must be able to read from a computer screen and enter data with the use of a keyboard. 

Working Conditions:

1. Stress varies depending on workflow from high to low.
2. Some travel between offices may be required.

Disclaimer: This position description is intended to describe the general nature and level of work being performed by the person assigned to this position.  It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of team members assigned to this job.  As markets change and the organization grows, job descriptions may change over time as requirements and team member skill levels evolve. With this understanding, MY CREDIT UNION retains the right to change or assign other duties to this position.

If requested, MY CREDIT UNION will make every effort to provide reasonable accommodations to enable team members with disabilities to perform the position’s essential job duties. 

MY CREDIT UNION is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law.