Gulf Winds Credit Union Hiring for Collections Officer Job at Pensacola, FL Full Time

Role:

To preserve the Credit Union’s assets by controlling delinquent loan accounts, collecting delinquent loan payments and/or recovering collateral.

Essential Functions & Responsibilities:

Contacts delinquent accounts by phone, mail, and email; builds rapport with members; takes appropriate action to bring current.

Analyzes financial situation of delinquent borrowers; makes recommendations to repossess collateral when other arrangements to bring the loan current are unsuccessful; prepares repossession folders.

Performs loan recasts; researches accounts and provides overrides; verifies and processes deposits made to delinquent accounts.

Maintains accurate files and reports on all collections activity.

Informs management of trends in loan underwriting contributing to delinquent/charged-off loans.

Performs other job-related duties as assigned.

Performance Measurements:

1. Collection efforts meet goals of department

2. Optimal and timely recovery of credit union assets from delinquent and charged-off accounts.

3. Accurate and complete records of all collection and recovery activity.

4. Adherence to provisions as set forth in the Fair Debt Collection Practices Act (FDCPA) and ensure collection activity is always within Credit Union policy and all relevant regulations.

5. Identification and reporting to management of potential underwriting problems.

6. Provision of informed, professional, and accurate service and support to all members and employees.

7. Complies with all applicable rules, regulations and policies, including but not limited to BSA, OFAC and Physical Security.

Knowledge and Skills:

Experience: One year to three years of similar or related experience.

Education: A high school education or GED.

Interpersonal Skills: Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

Other Skills: Ability to read, write, comprehend, and speak English clearly.

Normally expected to work between 8:00 a.m. and 5:00 p.m. but may be required to work nights and/or weekends.

Must adhere to safety rules and regulations.

This Job Description is not a complete statement of all duties and responsibilities comprising the position.

Gulf Winds is an Equal Opportunity Employer. Drug Free Workplace.