Financial Assistance Representative ; Collections Representative

Redwood Credit Union is looking for a Financial Assistance Representative I who will be responsible for performing a wide variety of semi-routine duties of moderate complexity requiring the exercise of discretion, initiative, judgment, independent analysis, and detailed knowledge of departmental procedures.

• Contact members with delinquent loans, negative shares, and Visa accounts to arrange payments, assess account status, and restore services
• Handle inbound and outbound calls while adhering to compliance and member information security protocols
• Deliver exceptional service to members and internal departments, making sound decisions and escalating issues when necessary
• Perform skip-tracing and support delinquent members by processing payments, extensions, and workout loans
• Recommend accounts for repossession and assist Collateral Recovery Officers with documentation and follow-up
• Support bankruptcy and deceased member account processes as assigned

• Assist in processing requests for charge off accounts for those loans determined to be un-collectible
• Complete departmental and back-office tasks as assigned including typing, routine letter and/or documents
• Assist in the preparation of documents needed for the pursuit of legal action against Members and/or support the bankruptcy process, as assigned
• Prepare periodic specialty reports or balance department related general ledger accounts, as assigned
• Serve non-delinquent Members by accepting phone payments, processing extension requests and workout loans

• Knowledge of Fair Debt Collections Act
• Knowledge of Federal and state laws, rules, and regulations concerning Credit Union collection activities
• Comprehensive knowledge of repossession process
• Comprehensive understanding of call center environment
• Knowledge of skip tracing, small claims, and bankruptcies
• Knowledge of insurance (collateral and disability) as it pertains to the collection of delinquent accounts
• Skill in the operations of a personal computer with Internet and intranet access, word processing and spreadsheet software
• Ability to provide quality professional service to all Members
• Ability and desire to work in a team environment
• Ability to keep Members information confidential, strictly adhering to company MIS policies
• Ability to measure performance in a productivity driven environment
• Ability to communicate effectively, accurately, intelligently, and professionally, both verbally and in writing, including effective telephone communication skills
• Ability to establish and maintain effective working relationships with a diverse group of people
• Ability to work a rotating schedule which will include working on rotating Saturdays
• High school diploma and minimum of three years of collections experience in a measured, productivity driven environment

Base starting range: $27.00 to $35.00 per hour commensurate with experience.

Our base salary starting range is based on scope and responsibilities of the position, candidate's work experience, education/training, key skills, and internal peer equity. We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits.

• Competitive medical, dental, and vision insurance, mental health offerings
• Employee performance incentive plan
• Salary Advancement
  - Merit increase based on performance
• 401(k) program with employer match
• Time Off
  - Competitive PTO accrual plus 11 paid company holidays and your birthday off!
• RCU employees are eligible for a .75% discount off RCU standard collateral auto loans
• RCU employees are eligible for a 1% discount on all recreational or boat loan products
• 2% discount off Visas and LOC Loans through RCU
• 0% interest loan to support employees with various immigration related expenses such as visa application fees and relocation costs. Loan amount up to $1,000
• 0% interest loan to support employees with expenses associated with the naturalization process. Loan amount up to $15,000
• 0% interest on garment, fitness, or home office equipment loan of up to $500
• 100% financing for employee purchased homes!

• Ability to stand, bend, stoop, sit, walk, twist and turn
• Ability to lift up to 20 pounds occasionally
  
  Ability to use a computer keyboard and calculator
• Work environment is indoors; majority of the time is spent sitting at a desk
• Redwood Credit Union is not offering Visa transfers and/or sponsor ships for this position.

We are an Equal Opportunity Employer.