Collections Representative

Salary Range: $40,000.00 To $48,000.00 Annually

DO YOU WANT TO MAKE A DIFFERENCE? Join a spirited, dynamic team with Hawai`i’s leading credit union as we make a difference in our community – providing financial value, exceptional service, and state-of-the-art convenience to our members.

Position Title: Credit Representative

Department: Credit

FLSA Classification: Non-Exempt

Reports to: Credit Manager

One great perk of working at UHFCU is we offer on-demand pay through our financial wellness provider. With the on-demand pay benefit, you can have the money you've already earned when you need it, so your time and money can work better for you. Get early access and get paid without waiting for your paycheck. In addition to competitive pay, we are proud to offer a comprehensive benefits package.

• Medical Insurance which Includes Drug and Vision;
  Company pays 100% of Employee's Self-Coverage; PLUS, a Company Paid Subsidy Towards Family-Coverage
• Dental Insurance;
  Company Pays 100% of Employee's Self-Coverage and Employee Pays for Low Cost Family-Coverage
• Medical and Dental Plan Premium Waiver Option
• 401(k) Retirement Plan with Employer Match and Non-Elective Contribution (NEC)
• Eligible to Earn Thirty-Five (35+) Paid Days Off a Year
• Vacation Cash-Out Program
• Flexible Spending Accounts:
  Healthcare and Dependent Care (Pre-Tax Benefit)
• Company Pays for Employee Group Basic Life With AD&D Insurance
• Company Pays for Employee Long Term Disability Insurance
• Voluntary Accident Recovery, Critical Illness + Cancer, and Hospital Insurance
• Employee Assistance Program (EAP)
• Employee Loan Discount
• Company Subsidizes 50% for Adult Monthly Bus Pass
• Cash Reward Employee Referral Program
• Workiversary Cash Reward and Gifts
• Internal and External Professional Development Opportunities
• And Many More!

This position works with members with delinquent loans and negative share accounts on repayment schedules and return items; stays abreast of collection laws, and minimizes loan delinquency through regular contact and follow-up.

• Contacts, by phone or mail, members with delinquent accounts in order to establish a mutually agreeable payment schedule on a regular basis.
• Responsible for accurate and complete maintenance and documentation of all actions taken both verbally and written transactions.
• Follows-up on loan payments made with non-sufficient funds and insufficient payroll deductions and periodic payments.
• Responsible for accurately updating collections reports in a timely manner.
• Follows established collections procedures and prepares and mails all delinquent loan reminder notices.
• Prepares and maintains appropriate documents for charged-off loans and loans in bankruptcy.
• Researches loan payments to ensure that the member receives full and complete explanation of their loan status.
• Researches automatic payment changes that may affect the status of a loan payment.
• Responsible for maintaining accurate collection records and files.
• Performs other duties as needed.

• Provides excellent member service (internally & externally).
• Accurate and timely follow-up on delinquent accounts.

Education/Certification:

High school diploma or GED is required.

Required Knowledge:

Basic understanding of MS Office Suite.

Basic knowledge of credit union programs.

Knowledge of state and federal collection regulations.

Experience

Required:

One to two years clerical/financial institution/loans/collections experience.

Skills/Abilities:

Excellent verbal and written communication skills.

Able to navigate and properly utilize the core collections system.

Analytical and problem-solving skills.

Repetitive Motion:

Movements frequently and regularly required using…