Collector SR

Seeking First Party collections experience with a credit union, bank, or related financial institution. Must have skip tracing, proven track record collecting on difficult accounts, and experience negotiating payment plans and approved loan modifications. Must be able to navigate multiple systems at once with ease while maintaining a professional, empathetic, customer centric (member centric) demeanor.

Title:

Collector SR

Position Status – Full-time non-exempt (hourly)

Reports To:

Collections Manager

Target Hiring Pay Range: $23.87 - $29.84 per hour

The listed pay information includes the minimum rate of pay to the mid-point rate of pay for the posted position The actual compensation for this position may vary based upon, but not limited to, licenses or certifications, education or equivalent work experience, market data, qualifications, relevant experience, prior work and performance history, geographic location, and business sector.

We believe great work is to be rewarded with great benefits. Our benefits include, but aren’t limited to, Medical coverage with generous company contributions, Dental with employee only coverage paid by the company, Vision with employee only coverage paid by the company, Paid Time-Off, 401k plan with a defined company match, company paid long-term disability, short term disability, and company paid holidays.

The primary purpose of this position is to assist Atlanta Postal Credit Union to live out our Mission, “To help our members achieve financial success by providing exceptional products and service.”

The Collector SR focuses on the management of the most challenging delinquent accounts, conducting skip tracing efforts, and the development of strategies aimed at minimizing charge-offs and financial losses for the credit union.

• Adhere to and deliver on APCU Center Parc’s core values:
• Serve Exceptionally
• Commit to Better
• Find the Fun
• Invest in Integrity
• Follow the Numbers
• Go Forth and Conquer
• Protect with Passion
• Work assigned delinquent accounts and account files.
• Conduct thorough skip tracing efforts to locate members who have changed addresses or otherwise have proven to be difficult to reach.
• Utilizes available and legal means, tools, and databases to gather information or generate means or potential means of contacting a member regarding their delinquent account.
• Engage with members to negotiate payment arrangements to mitigate delinquency or recommend permissible loan modifications when prudent to do so as a means to bring the member’s account current.
• Demonstrate an understanding of best practice collections and loss mitigation strategies.
• Analyze the financial history of accounts to determine the best course of action for recovery;
  Engage in regular follow-up with members.
• Implement a post arrangement follow up process to ensure members have adhered to previously agreed upon arrangements and ensure the members’ understanding and clarity of future arrangements.
• Provide desired reports to management regarding collection activities, account statuses, and results of recovery efforts.
• As required, respond promptly to voicemails for the collections department;
  Review and respond to open items in the ticketing system.
• As requested or to the extent it is applicable to the work underway, review and respond to all correspondence related to permissible purpose activities under the Fair Credit Reporting Act (FCRA).
• Demonstrate a sense of urgency, attention to detail, and the ability to multi-task
• Effectively use written and oral communication skills in daily correspondence.
• Adhere to the provisions of the Fair Credit Reporting Act (FCRA), Fair Dept Collection Practices Act (FDCPA), and any other state or federal regulation associated with the process of attempting to collect debts.
• Comply with all aspects of BSA/AML and OFAC regulations as they relate to this position.
• Travel associated with this role is less than 10%.
• Other duties as assigned.

No direct reports. May manage day-to-day tasks through indirect reporting relationships or through a matrixed management approach and the ability to collaboratively interact with internal and…