Collector II

Join to apply for the Collector II role at Fort Bragg Federal Credit Union
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Purpose: Recovers monies owed to the credit union, including payments on delinquent loans, bankruptcies, charged‑off loans, repossessions and negative share balances. Ensures all contacts with members are professional and in compliance with policies, procedures, laws and regulations.

• Handles all phases of bankruptcy accounts, including filing proof of claims and communications with attorneys and trustees; follows up with bankruptcy court as needed.
• Files for legal action, including small claims and probated estates, and attends small claims court when assigned.
• Files claims with various providers on repossessed vehicles, covering physical damage, skip claims and return of premium.
• Works with insurance companies and members to resolve total loss claims, deficiency balances, and recovery of any funds due (including premiums) to the credit union.
• Works open and closed accounts as assigned, maintains a work record of progress for internal review and follow‑up.
• Makes recommendations after discussing members’ financial situation on how best to resolve delinquent accounts (e.g., workout loans, extensions, legal).
• Generates collection letters and notices using templates; ensures all newly drafted letters are approved by management.
• Contacts delinquent accounts through phone calls, email (when permitted) and records conversations in Keystone, and processes payments.
• Backs up co‑workers to ensure logging and posting of payments to loans that are charged‑off, share to loan transfers and prepares vouchers when necessary.
• Helps to oversee E‑Oscar to handle members’ credit bureau disputes.
• Prepares certified mailings and assures return receipt of such mailings is maintained.
• At the direction of management, works with collection agency partners on assignments and administrative duties to facilitate recoveries.
• Assists with all aspects of repossession of collateral, including preparing all forms of documentation to clear titles, communicating with recovery agents, sales, documenting expenses, requisitioning expense checks and reporting.

• Places copies of all communications in Fast Docs.
• Files any Collection Department forms or papers as may be necessary.
• Must comply with the Federal Bank Secrecy Act, Anti‑Money Laundering & Customer Identification Policy (BSA), the OFAC Policy and the Identity Theft Policy.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• High School Diploma
• Annual completion of mandatory Bank Secrecy Act, OFAC and Red Flag Identity Theft training.

• 3 years of similar or related experience.

Courtesy, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization to give or obtain information, build relationships, or solicit cooperation.

• Knowledge and experience with repossessions, bankruptcies, and preparation of small claims documentation.
• Ability to use various software applications necessary.
• Leadership qualities and ability to perform all functions relating to collections.
• Effective public and staff communication skills.
• Strong proficiency with computer applications.
• Strong phone skills.

Physical stamina required is low to moderate.

Minimal adverse working conditions. Some fluctuations in temperature in the office setting. May need to work beyond normal working hours pending organizational needs.

Mid‑Senior level

Full‑time

Accounting/Auditing and Finance

Banking