Recovery Specialist

Description

Responsible for collecting on accounts while balancing the goodwill of members with the overall business interests of HZCU. Will locate and notify customers of delinquent accounts by mail, telephone, email, or text. Duties include addressing paid ahead, overdrawn, and overdue accounts, Manages member relationships relating to insurance problems. initiating repossession proceedings, and maintaining accurate records and account details. This position will also process hardship extensions when appropriate.

Monitor payments for late and/or delinquency status. Follow up on delinquent, high-balance, and overdue credit balance accounts by phone and/or letter. Ensure professional interface with members.

• Ability to discover the reason for delinquency and offer appropriate solutions to permanently resolve the reason for delinquency
• Contact high balance and/or delinquent members by telephone, mail, email and text to determine the reasons for balance or delinquency and assist them in developing plans to bring accounts current. Develop plans and collect on overdue accounts wherever possible
• Notify co‑signers regarding the status of delinquent accounts
• Manage incoming tickets from the help desk ticketing system
• Uses Auto Dialer to complete work tasks
• Update files and system accounts via the credit union’s delinquent loan recovery system
• Secure credit bureau reports. Skip trace on loan accounts
• Assist members with delinquent real‑estate loans to resolve delinquency
• Determine when loan collateral should be repossessed
• Perform all responsibilities in accordance with HZCU competencies and Information Protection requirements
• Have a thorough knowledge of all state and federal collection laws and guidelines
• Professional and courteous interactions with members
• Strive for continuous improvement of processes and service
• Persistence in following standard collection practices
• Accurately recording collection activity and file information
• Maintaining a professional and positive attitude towards delinquent borrowers, and the job of collections

Our individual contributor success competencies, coupled with our CORE Values, drive our ability to fulfill our Promise of "Guiding members in the direction of their dreams".

• Action Oriented:
  Takes on new opportunities and tough challenges with a sense of urgency, high energy, and enthusiasm
• Collaborates:
  Builds partnerships and works collaboratively with others to meet shared objectives. Readily takes action on challenges, without unnecessary planning
• Instills Trust:
  Gains the confidence and trust of others through honesty, integrity, and authenticity
• Communicates Effectively:
  Develops and delivers communications that convey a clear understanding of the unique needs of different audiences
• Member Focused:
  Builds strong member relationships and delivers member‑centric solutions, both internally and externally
• Self‑Development Focused:
  Actively seeks new ways to grow and be challenged using both formal and informal development

At Horizon Credit Union, we believe in attracting and retaining talented team members who embody our CORE Values of Capability, Optimism, Responsibility and Empathy. Our pay values are reflected in our compensation philosophy which rewards individual performance and the potential to contribute to our teams’ overall success long‑term.

The full pay range for this position across all the states in which we hire is $XX.XX - $XX.XX. The figures shown represent the minimum and maximum of the range for this role. Individual offers are made dependent upon a candidate’s experience, education, and skill level.?

We know there’s more to life than just a job. Our benefits are designed to help support our employees and their well‑being. Take a look at what we have to offer:

• Medical, Dental, & Vision Insurance for full‑time and reduced full‑time employees & their families
• Telemedicine for part‑time employees
• Paid Group Life and Disability Insurance
• Employee Assistance Program
• Tuition Reimbursement Program
• 401K Retirement Savings
• Employer 401K Retirement Contributions & Matching upon eligibility
• Di…