Credit Solutions Representative

Position – Credit Solutions Representative

General

Summary:

Carry out various duties related to delinquent accounts for the Credit Solutions/Lending department. Serve our membership by assisting members with their financial needs and creating awareness of all products and services to new and current members.

• Provide assistance and options to members with delinquent accounts.
• Conduct collection calls on past due loans and overdrawn deposit accounts.
• Assist in the recovery and sale process of repossessions.
• Process daily delinquent notices such as 5, 7, 14 or 15 days, Right to Cure Letters, and Health & Accident Insurance Claims.
• Report delinquencies, foreclosures, and recovery plans to Management.
• Develop knowledge of all state and federal regulations applicable to processing delinquent loans and deposit accounts to stay in compliance.
• Develop a working knowledge of the Bankruptcy Act and consumer protection regulations.
• Prepare data and documents for judgements and other legal actions.
• Assist with NADA Book value inquiries.
• Assist with processing claims for payment protection programs.
• Develop a working knowledge of the Credit Union’s data processing and collection system.

• Develop an understanding of Credit Union history, philosophy, organization, bylaws, and operational procedures.
• Develop the ability to cross‑sell all credit union products to provide financial services for new and current members.
• Assist with taking deposit and loan applications by conducting the interview process and gathering background information as required.
• Maintain knowledge of rates and terms for deposits and loan products to assist in providing quotes to members.
• Cross‑train throughout the credit union departments to maintain product knowledge and services to upsell and cross‑sell to members.
• Handle acquisition and sale of foreclosure properties.
• Function as a backup to open new accounts and assist with loans.

• Actively support our sales and service culture and demonstrate these skills by communicating to members the benefits and features of all products and services.
• Expect and embrace change by being flexible and adaptable with the ability to work independently and in a team environment with positive work actions; meet performance objectives and expectations (sales, service and reliability).
• Participate in community and business‑related events, conducting oneself in a professional manner in relation to all credit union activities.
• Develop a working knowledge of competitors’ products/services and maintain a continued interest in improving quality products/services for the credit union.
• Complete in‑house training based on required classes set up for this position.
• Assist in any area as directed by management.

• 1 year of financial institution experience with service/sales experience preferred.
• Some post‑high school education preferred.
• Professional, well‑developed interpersonal skills required for servicing our members, with the ability to consistently demonstrate a positive attitude and professional image.
• Excellent written and verbal communication skills.
• Must demonstrate good judgment and decision‑making skills.
• Ability to analyze variables and complicated situations and apply procedures and principles to develop solutions.

Full‑time. Monday – Friday plus Saturday rotation.

Lincoln, NE

• Base hourly wage: $20+ per hour (negotiable).
• Eligible for monthly incentives.
• Eligible for a discretionary gain‑share plan payment annually.
• Eligible for a base wage increase annually as part of a merit performance review.

Insurance Benefits

• Medical – 85% of premium paid by LFCU, associates pay 15%.
• Dental – free to associates.
• Vision – LFCU pays 50% of premium.
• Life and ADD – 2× annual salary; LFCU pays 100% of premium.
• Short‑term and Long‑term Disability – LFCU pays 100% of premium.
• AFLAC Supplemental – Cancer, Critical Care, Accident, Hospital; associate paid.
• Flexible Spending Accounts (FSA) – Health Savings and Dependent Care.

Retirement Plan – LFCU contributes 5% of associate earnings to Profit Sharing. LFCU matches 100% up to 3%…