Credit Solutions Specialist

This is an exciting opportunity to join our skilled Asset Recovery Team; but first, here is a little bit about Elements Financial:

WE MAKE MONDAYS MORE ENJOYABLE.

There are many ways to describe the Elements culture: fun, meaningful, supportive, and full of opportunities. See here for more information - https://(Use the "Apply for this Job" box below)./

Today we serve the employees of 150+ organizations around the U.S. We currently rank among the top 3% of credit unions nationally with 100,000+ members. We have the resources, staff, and expertise to support our members with unparalleled service and leading-edge technology.

Now let–s get into this exciting role!

This is a hybrid role that requires some on-site work (inside our Indianapolis, Indiana office). In addition to the on-site duties, there are additional responsibilities that can be completed outside of the office, resulting in this being a hybrid role.

Elements Financial is a Best Place to Work because our employees are empowered to Be the Expert, Live the Purpose, and Grow the Business. Our Purpose is to Empower Members to Achieve Financial Success
. This position assists the Asset Recovery team with providing personalized, consistent, and quality service.

You will learn how to be the expert to best serve our members:

• Responsible for collection of moderately past due auto loans, mortgages, credit cards, and student loan accounts to prevent potential charge-offs in accordance with internal guidelines and applicable Federal and State laws. Relies on experience and judgment to make sound decisions.
• Responsible for suggesting workout solutions to recommend the most effective loss mitigation option to achieve low delinquency and final resolution resulting in the greatest potential for continued payments.
• Responsible for handling all DRN Alerts and impound notifications.
• Responsible for ensuring all right to cure notices and final demand letters are sent prior to foreclosure or repossession.
• Responsible for ensuring all NCCI door knocks are issued prior to charge-off.
• Responsible for the handling of all deceased cases and the filing of Probate Finder claims.
• Responsible for skip-tracing to seek new information on our borrowers.
• Assist in the lower-tier delinquency as needed.

You will make a difference as you live out our purpose:

• Assist the AVP Asset Recovery with establishing and managing charge-off recovery strategies, including outsourcing to attorneys and third-party collection firms.
• Assist in the Charge-Off process for system maintenance and letter mailing.
• Assist in the development and maintenance of all systems utilized in the Asset Recovery Department.
• Participate in other projects and duties as assigned.

You will help grow the business:

• Assist in the development and maintenance of all systems utilized in the Asset Recovery Department.
• Assist in the maintaining and enhancing key departmental reports and assisting with new reports.

You will continue to grow professionally:

• Continue to develop knowledge of industry practices, products and professional growth.
• Participate in appropriate learning opportunities to maintain expertise.
• A minimum of 3 to 5 years collection experience required.
• High school degree required - college degree preferred.
• Must have the ability to interpret credit reports, loan applications and other financial information that apply to day-to-day collection activities.
• Must maintain a thorough knowledge of the federal bankruptcy code, FDCPA, and any other regulations impacting member accounts.
• Must possess excellent analytical, organizational, and communication skills.
• High level of customer service and interpersonal skills
• Strong attention to detail and problem-solving skills.
• Microsoft Office knowledge preferred.
• Knowledge of a dialer system preferred.
• Strong collaboration and communication skills.
• Ability to leverage skills, knowledge, and experience to invest in our community.
• Ability to foster an inclusive environment that promotes belonging.
• A focus on respect and excellent service to both external and internal (team) members.
• A proven track record of integrity with a demonstrated ability to build trust.

Additional sales incentive compensation is earned in this role.