Collector I - First Commerce Credit Union

Come Join Us!

First Commerce Credit Union is looking for a self-driven and proficientCollections Representative who can help us achieve our company financial goals and empower people to enhance their financial well-being! Have you ever worked with complex customer interactions? The Collections Representative will be responsible for reviewing each account to determine the best way to approach the client, and then executing their plan to bring in the maximum amount of revenue by collecting missed and outstanding payments. The ideal candidate for this position can work as part of a dynamic team and as an individual, yet able to work in an environment where work assignments change frequently.

JOB DUTIES:

• Monitors overdue accounts and contact members with past due, negative and charged-off accounts by telephone, mail, electronically, or in person at the credit union to discuss circumstances of delinquency or negative status.
• Offers solutions, arranges suitable repayment plans, prompt follow-up on all arrangements, schedules, or action, and promptly follows-up on related activities.
• Answers members and team member questions regarding problems with accounts; process to conclusion routine inquiries and account research, record / document all collection activity and updates member records with new information in a timely manner.
• Performs various administrative functions for assigned accounts, such as: recording address changes, credit bureau reporting via E-Oscar Online, initiates and reviews modification paperwork, creates and mails letters and/or past due notices of payment arrangements and appropriate reminders.
• Accurately posts charged-off loans and recoveries in a timely manner.
• Verifies accuracy of all necessary documentation is present on all delinquent loans progressing to legal or repossession status.
• Maintains positive relations with members by exercising the ability to discuss personal financial circumstances in a candid, tactful manner.
• Reviews accounts and approves repayment of overdrawn or NSF checking accounts within assigned authority, while working with financial centers to arrange closing accounts as needed.
• Performs effectively relative to policy compliance; documentation standards, practices, procedures, timelines, accuracy in collections activities and/or other default servicing matters.

Other responsibilities:

• Will perform job duties in accordance with policies established by the Board of Directors under the rules and regulations set by the National Credit Union Administration and State of Florida.
• Complies with BSA, OFAC and CIP requirements such as checking venders against OFAC list.
• Fully supports in actions and words First Commerce's Vision, Mission, Core Values and Service Standards
• Adheres to First Commerce's policies, procedures including those specific to one's department
• Attends meetings as required; reports to work on time and as scheduled; adheres to facility dress code.
• Performs other duties as needed or assigned.

REQUIREMENTS:

EDUCATION: High school diploma, GED, or equivalent certification.

EXPERIENCE: A minimum of 6 months First Commerce CU experience OR a minimum of 1 year of collection experience, preferably in a financial institution.

SKILLS: Superior interpersonal and communication skills enabling tactful, professional, and clear resolution of delinquent loan accounts. Any knowledge of credit union policies and procedures would be beneficial. Computer skills are mandatory.

Benefits:

We know satisfied employees are key to a thriving business and are pleased to offer:

• Competitive annual salary (to be disclosed to candidates meeting minimum qualifications)
• Health, dental, vision, disability, life, and pet insurance options with generous company sponsorship which includes free 24/7 mental & behavioral telehealth coverage
• Two (2) weeks paid time off (this increases to 3, 4, and 5 weeks with additional years of service)
• One (1) week sick leave (this increases to 2 weeks with additional years of service)
• Eleven (11) paid holidays, one (1) personal floating holiday, and paid volunteer time
• 401k with up to 4% employer match, vested from your first day on the job
• Eco-friendly cash bonus for carpooling, biking, or using public transportation
• Professional development programs, scholarships, and internal committee leadership opportunities
• Charitable contribution matching
• Exclusive rewards and discounts on things like movie tickets, travel, shopping, and more
• Referral incentives for mortgage products and recruitment
• Fun perks in the office with a company culture where you are more than just a number

If you think you'd be a good fit, we'd love to see you apply!

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.