• Collection Representative I FT

    Job Locations US-MI-Parchment
    Job ID
    2018-1828
    Category
    Operations
  • Roles

    What you should know about the role

    Participates in maintaining a financially sound loan portfolio through early delinquency control.  Methods to accomplish this include (but are not limited to): phone calls, collection letters and in person interviews. Recommends further action on accounts as deemed necessary (includes but not limited to): repossession, legal action, foreclosure and referral to collection agency)

     

    What you should know about Advia

    Advia is a fast growing Credit Union that is positioned in the top 3% of credit unions across the United States with nearly 2 billion in assets.  We offer very similar product and services as the big banks with a focus on saving our members money while providing financial advantages.  We are rooted in our communities and believe we have a responsibility to give back outside of our four branch walls through volunteering and charitable donations.  The work environment at Advia is fast-paced, performance based and fun infused.  We certainly live by the saying “work hard, play hard.”  As an employee of Advia, you can expect regular and constructive feedback, development opportunities, great benefits, excellent co-workers and engaged managers.

     

    As a Collections Representative, you will have opportunities to:

    • Be an important part of a fun, friendly and fast-paced team.
    • Have a variety of responsibilities and projects to keep the job interesting.
    • Be in a position to really help people and make an impact on their lives.

    Major Duties

    • Interview members to determine reason for delinquency. Take appropriate action to resolve the account (could include loan modifications or loan workouts). Counsel members concerning their financial obligations, advises of options and solicits agreement of payments.
    • Respond to member inquiries by phone and in person (could include, but not limited to: requests to transport our collateral out of country, CPI claims, GAP and other dealer sold insurances, NADA values, address updates).
    • Recommend further action as deemed necessary (i.e. repossession, legal action, foreclosure, referral to collection agency). Demonstrates judgment and discretion within the framework of all applicable regulations and policies.
    • Ensure member files are kept updated and complete, and all required documents are filed (includes completion of adverse action forms).
    • Monitor and process loan payoff information and provide this communication to dealerships, insurance companies and all appropriate parties in an accurate and timely manner.
    • Assist other departments and branches with transactions as needed. Provide support for the collections department and branch managers in fulfilling member requests and merchant verifications.
    • Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

    Physical Requirements

    Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 5 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.

     

    Working Conditions

    Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

     

    Mental and/or Emotional Requirements

    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 able to perform basic mathematical calculations with extreme accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. 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 able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters. Must be able to stay calm when being challenged by members in a stressful manner.

     

    Acknowledgement

    Nothing in this position description restricts management’s right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job description is not a contract and should not be construed as a guarantee of employment for any specific period of time.

    Skills & Experience

    Experience

    A minimum of one year up to three years of similar or related experience, including preparatory experience.

     

    Education/Certifications/Licenses

    A high school degree or equivalent

     

    Interpersonal Skills

    A significant level of trust, credibility and diplomacy is required. In-depth dialogues, conversations and explanations with members, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. Communications may involve motivating, influencing, educating and/or advising others on matters of significance.

     

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