The Collector is responsible for controlling, collecting, communicating, and skip tracing on delinquent loans for One Nevada Credit Union.
ESSENTIAL JOB FUNCTIONS
DUTIES AND RESPONSIBILITIES
• Communicates, verbally and in writing, with delinquent members to negotiate repayment;
• Skip-traces to locate missing members to obtain payment;
• Verifies assets for pending legal action;
• Proposes accounts for repossession, court action, and foreclosure proceedings;
• Composes charge-off/loan loss recommendations to the Assistant Vice President Collections for review monthly;
• Obtains asset searches from the County Assessor Office; and
• Reports on the status of delinquent accounts to the Assistant Vice President Collections.
• Files all correspondence relating to a collection account in member’s loan folder;
• Orders and reviews credit reports;
• Prints and mails online collection system letters and notices;
• Writes letters to members and creditors;
• Researches delinquent accounts;
• Types online collection documentation;
• Submits lines of credit to be revoked to Assistant Vice President Collections;
• Makes data changes on member accounts;
• Transfers funds to make delinquent loan payments;
• Documents all member contact and collection efforts on the online collection system;
• Transfers funds for NSF checks and negative shares; and
• Performs other duties as assigned.
The Assistant Vice President Collections assigns queues. The Assistant Vice President Collections reviews all reportable delinquency monthly. Guidance and direction is available from the employee’s supervisor and from the written procedures manual.
Knowledge, Skills, and Abilities
• General knowledge of collection methods, practices, and techniques;
• General knowledge of State and Federal laws pertaining to collections;
• Skill in the operation of online collection system;
• Skill in the operation of a personal computer to include Internet/Intranet use, operating system, word processing,
spreadsheet, presentation, calendar, and scheduling software;
• Ability to follow-up on arrangements for repayment;
• Ability to be accurate, thorough, and task-oriented with a capacity for routine;
• Ability to accurately completed paperwork documentation;
• Ability to communicate effectively, both verbally and in writing;
• Ability to maintain regularly scheduled attendance;
• Ability to establish and maintain effective working relationships with other employees and members; and
• Must be able to relate appropriately to other people beyond giving and receiving instructions: (a) can get along with co-workers or peers without exhibiting behavioral extremes; (b) perform work activities requiring negotiating, instruction, and communicating with others; and (c) respond appropriately to constructive feedback from a supervisor.
EDUCATION AND EXPERIENCE
A combination of education and experience equivalent to a high school diploma plus one year progressively responsible experience in collections. Must complete Certificate in Quality Service training within twelve months of position acceptance.