Collector

Our associates enjoy a one-of-a-kind culture with a rich benefits package that includes:

• Generous paid time off: 11 paid holidays, 2 floating holidays, 6 personal days, 10 vacation days, plus sick time
• Low-cost Medical, Dental & Vision plans - as low as $5 per pay period
• Paid childcare assistance (up to $96 per pay period)
• Award-winning 401(k) 5% discretionary match - fully vested from day 1
• 100% Gym fee reimbursement up to $75/month
• 100% Tuition Reimbursement Up to $5,250
• $1200/yr student loan repayment
• Plus a great schedule with NO WEEKENDS!
• Target hiring range $21/hr - $25/hr (Depending on experience and prior to any incentives this position is eligible for)

Summary

The Sr. Recovery Specialist contacts and locates members with delinquent accounts, demonstrating the ability to secure payment and avoid potential loss by performing prescribed duties.

Essential Functions

• Contact delinquent members by telephone and mail to determine the reasons for delinquency, and assist members in developing plans to bring accounts to current status; or mitigating losses when necessary.
• Demonstrate proficiency in securing payment arrangements for past due or charged off loans, credit cards, share accounts, mortgages, and lines of credit to mitigate potential losses.
• Research member account and transaction activity information and utilize skills and skip tracing tools to contact members and resume collection activity or proceed to next steps.
• Update and note demographics and collection activity on accounts through delinquent loan recovery system.
• Obtain, summarize, and update qualifying information to submit deferments and hardships for management approval.
• Submit recommendations to management for voluntary or involuntary repossession approval and processing.
• Submit recommendations to management for settlement, legal action, or charge off when appropriate.
• Utilize above mentioned collection strategies to successfully manage resolve rate for collection queue of accounts.
• Review accounts with management when exceptions and escalations are necessary, obtain direction on how to handle or transfer calls to management to service.
• Service inbound calls, ensures service level and abandoned call rate are within department guidelines and established goals.
• Maintain superior member service throughout each call while assisting in identifying and executing solutions for members.
• Demonstrate proficiency in credit reporting knowledge.
• Demonstrate proficiency in bankruptcy and repossession knowledge and mitigating its effects in our servicing member accounts without additional risk to Credit Union.
• Follow up on abandon vehicle notices to insure lien position.
• Process title checks to validate lien position.
• Follow up on GAP warranty coverage to mitigate any potential loss.
• Reconcile ECM daily transaction report, correct any data entry errors, and process payments.

This job description should not be considered all-inclusive. It is merely a guide of expected duties. The associate understands that the job description is neither complete, nor permanent and may be modified at any time. At the request of their supervisor, an associate may be asked to perform additional duties or take on additional responsibilities without notice. Complies with all policies and standards. Position grades could fluctuate based on market value.

Education

• High School Diploma or GED (General Education Development) required.

Experience

• 3 to 5 years related loan adjustment/collections experience required.

Knowledge, Skills and Abilities

• Strong written and verbal communication skills.
• Knowledge and experience with office suite software (e.g., Microsoft Outlook, Word, Excel).
• Strong attention-to-detail, organization, and multitasking skills.

Why join the OneAZ team?

Our culture is one-of-a-kind! You'll be joining a team of friendly, hardworking, helpful associates with the same mission guiding all that we do: We exist to improve the lives of our members, our associates and the communities we serve.

We are proud to be an equal opportunity employer and value diversity. We do not discriminate on the basis of race, color, religion, creed, national origin or ancestry, sex (including pregnancy), age, physical or mental disability, veteran or military status, genetic information, sexual orientation, gender identity, or any other legally recognized protected basis under federal, state, or local law.

We offer robust benefits including low-cost medical, dental and vision plans, gym reimbursement, paid parental leave, generous personal days and vacation time, and an award-winning 401(k) program among many others. Take a look at our career page for detailed benefit information: www.oneazcu.com/about/careers

Additional Notes:

Candidates for this position will be required to sign an authorization for OneAZ to conduct a credit and criminal background check, pursuant to procedures in the Fair Credit Reporting Act and any other applicable laws.

All candidates will be considered for this position on an individualized basis, in compliance with all applicable equal employment opportunity laws.

Ensures compliance with applicable policies, laws, and regulations, including the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) compliance, USA Patriot Act, and Office of Foreign Assets Control (OFAC).

Any individual who meets the definition of a mortgage loan originator and is employed by a federal agency-regulated institution will need to be registered on NMLS.