Credit Solutions Associate ; Melbourne

Space Coast Credit Union (SCCU), the largest state charted credit union in Florida, is looking for a Full Time Credit Solutions Associate I to join our ONESCCU team in our Baytree Headquarters or Melbourne Operations Center! SCCU has been in business for over 70 years, has over 8 billion dollars in assets and WE ARE GROWING!

Our Members are our top priority and we stand behind our Brand Promise:
Honest People, Trusted Products, Time Valued. We offer a rich benefits package and career advancement opportunities.

• ONESCCU annual bonus available!
• Medical, Dental & Vision Insurance
• HSA (Health Savings Account) with SCCU matching contribution
• SCCU Paid Long Term and Short Term Disability coverage
• SCCU Paid Term Life Insurance
• Employee Assistance Program (EAP)
• Paid Time Off
• 401(K) Pre-Tax Savings Plan with SCCU match- 100% of the first 5% of employee contributions
• Tuition Reimbursement Program
• SCCU Team Member financial discounts & perks (save money every month!)
• Loan Discounts - Mortgage, 2nd Mortgage, Auto, Motorcycle, Boat etc. / GAP coverage at half price
• Fixed low rate credit card-5.99%, if approved
• FREEIdentify Theft Protection!
• No fee SCCU accounts

$21.63 to $22.90 per hour based on experience

• Provides solutions to bring past due accounts current in order to keep delinquent loans to a minimum. Works all loans to include but not limited to consumer, mortgage, and business loans.
• Accepts inbound phone calls to the department, makes payment arrangements, transfers payments, and researches past due loan problems. Sends accurate loan error corrections.
• Attempts telephone contact with all past due members as presented on the predictive dialer.
• Provide the member with solutions such as a payment plan to bring the loan current, refinance, modification, loan extension, rewrite, short sale, deed- in-lieu or other local programs that may assist them in time of need.
• Ensures that future follow‑up dates are maintained on past due loans, provide maximum coverage of delinquent queue assignment, and that there are no accounts with follow‑up dates in the past.
• Requests Credit Cards and lines of credit to be closed when 45 days or more delinquent.
• Identifies and refers potential new sales opportunities when discussing solutions with a member.
• Adheres to established department and organization policies, procedures, objectives and quality standards to ensure consistent operations of the department.

• 1 to 2 years in a consumer debt collections or sales environment.
• Bi‑Lingual fluency English/Spanish preferred.
• Experience with Vehicle and Mortgage Collections and Loss Mitigation preferred. Knowledge and experience with SCCU systems and processes may be considered toward required experience.
• Demonstrated understanding of the fair debt collection practices act.
• Ability to organize, prioritize and perform multiple job tasks simultaneously.
• Must be able to work efficiently with Microsoft Word and Excel and internal Collections systems.
• Ability to work independently with minimal supervision
• Ability to carry out detailed written and oral instructions.
• Ability to communicate clearly and effectively, both verbally and in writing.

Full Time during Department hours of operation.

Monday - Friday 8:00AM - 7:00PM. Saturdays on rotation 9:00AM - 3:00PM.

High School

Consumer debt collections or sales

Enthusiastic :
Shows intense and eager enjoyment and interest

Dedicated :
Devoted to a task or purpose with loyalty or integrity

Self‑Starter :
Inspired to perform without outside help

Goal Completion :
Inspired to perform well by the completion of tasks

Financial :
Inspired to perform well by monetary reimbursement

Ability to Make an Impact :
Inspired to perform well by the ability to contribute to the success of a project or the organization

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.