Hybrid Sr. Member Solutions Rep na Meritus Credit Union
Meritus Credit Union · Lafayette, Estados Unidos Da América · Hybrid
- Senior
- Escritório em Lafayette
Department: Member Solutions
Classification: Non-Exempt
Reports to: Member Solutions Manager
General Summary
Provide collection support to the Member Solutions Manager and team in accordance with Credit Union Policies and Procedures. Responsible for projecting a positive image as a representative for the Credit Union.
Job Specifications and Requirements
- Professional, well-developed interpersonal skills essential to deal courteously and effectively with a diverse group of staff and members. Excellent negotiation and conflict resolution skills needed.
- Previous Collections experience in a financial industry setting required.
- Intermediate mathematical skills required (calculations, and concepts involving decimals, percentages, fractions, etc.)
- Strong analytical and problem-solving abilities to assess account risk and recommend recovery strategies.
- High attention to detail with accurate documentation and record-keeping skills.
- Ability to prioritize effectively under deadlines.
- Demonstrated ability to de-escalate difficult member interactions while ensuring compliance.
- Knowledge of skip tracing tools, credit bureau systems, and payment processing platforms.
- Familiarity with repossession procedures, and other relevant collection laws/regulations.
Duties and Responsibilities
- Monitor and contact delinquent/charged off members in collection queues by telephone and mail in order to determine reason for delinquency, collectability, and to offer a solution to assist the member in resolving and/or bringing their account to a current status. Develop workout plans, repayment plans, and collect on overdue accounts wherever possible. Negotiate settlements when deemed appropriate.
- Notate all collection efforts in the Collection Tickler System and utilize the promise to pay feature to track pending payment arrangements.
- Review share accounts and joint member relationships for funds that can be offset and applied to delinquent loans, including charged off loans, shares, and credit card balances.
- Take incoming calls and process phone payments through ECM system.
- Process bankruptcy checks, attorney checks, collection agency checks, etc. on delinquent/charged off loans, shares, and credit cards.
- Meet with members face to face, when needed, in order to determine reason for delinquency and to offer a solution to assist the member in bringing the account to a current status.
- Perform skip tracing duties as required and directed.
- Maintain accurate data for repossession log, bankruptcy files, charge-off list, legal accounts etc.
- Research delinquent loans for improper/missing payment set ups.
- Assist members with delinquent real estate loans to resolve delinquencies.
- Recommend foreclosure, repossession, or legal proceedings when necessary to Member Solutions Manager when appropriate.
- Maintain accurate credit bureau reporting on delinquent loans and credit cards.
- Maintain telecheck reporting on charged off shares.
- Maintain accurate records within our system regarding the collectability of charged off loans, shares, and credit cards, including 1099-C information on settled accounts.
- File all claims, attend hearings, and coordinate with trustees for bankruptcy filings.
- Respond to E-Oscar and all other credit bureau disputes.
- Reconcile Charge Off Recovery General Ledger Reports at the end of every month.
- Exemplify all Meritus Core Values in every member or staff interaction.
- Complete all required trainings as assigned.
- Other duties as assigned.
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