Credit Department Job Beloit area,Wisconsin USA,Finance & Banking

GENERAL SUMMARY

Primary Responsibilities:

Model a high energetic, world-class service and sales culture that continually strives to improve the way we serve our members.

Contact members as assigned by telephone, letter,text or in person to determine the reason for their being delinquent and assist them in developing a plan to bring their account to a current status.

Initiate the appropriate action and paperwork based on the situation, including keeping accurate records of calls and resolutions, while maintaining excellent member service through account contact and member resolution.

Provide backup support to the Indirect, Teller and Consumer Lending Departments, in order to maintain quality member service to our membership.

Uphold a strong sales culture within the credit union.

Primary Qualifications: Passionate and enthusiastic; possess world class service and leadership skills; strong knowledge and understanding of FirstCCU products and services; strong lending skills.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Live the First Community Credit Union Mission, Vision and Values within the organization and our communities.

File all small claim actions, money and replevin judgments in a timely manner.

Process garnishment paperwork as soon as judgment is received when the employer is known and make sure that there is no lapse in time between garnishments. If the employer is unknown, try to work with the other credit department staff to try to locate.

Handle the hiring of repossession services as soon as the promise to pay is broken by sending out all required documents to the repossession company to pick up the vehicle.
a) Order bond and forward all required paperwork to the Sheriff’s Department when needed. This needs to be done if the repossession company is unable to locate the vehicle within 30 days. b) Make arrangements for the vehicle to be picked up in a timely manner to prevent storage charges.

Process all Insurance, Creditor and Single Interest Vendor claims and stay in contact with the insurance companies to force timely payments and settlements.

Process all repossession paperwork for refunds of MRC, GAP, (only if no damage) and all aftermarket products to verify that all refunds have been received by FCCU. Follow up with Dealer, if applicable, to make sure that refunds are received in a timely manner.

Ensure that the correct paperwork is completed during and after the sale of repossessed vehicles by working with loan staff to verify paperwork is correct and accurate.

Work with members who wish to purchase a repossessed vehicle, refer them to a Member Relations Manager to take an application.

Responsible for the filing of all Bankruptcy paperwork to protect the interest of FCCU. This includes getting reaffirmation when needed and required and or hiring an attorney to have members surrender our security when not reaffirming.

Handle all total loss claims of secured vehicles from start to finish. This will include:

Obtaining a copy of the Police Report

Verifying we have proper documentation to file GAP Claims

Getting all refunds from dealers if it was a dealer contract, NOT GAP, if there is a claim

File GAP claim, if applicable

Contact member for payoff on any deficiency balance remaining or make payment arrangements

Process all E-Oscar and Credit Disputes

Send delinquent accounts to a third party for collection if First CCU’s collection efforts are exhausted.

Report Charge-off negative checking accounts to Chex Systems greater than $10

Send Charge-off negative share accounts to Tri Verity greater than $100

Send Charge-off loans to Tri Verity on an as needed basis

Assist in promoting a positive credit union image during working and non-working hours.

Make suggestions for improving existing products and developing…