Loan Adjuster II

• Collect on loans of all stages of delinquency where timely payments are not being received
• Communicate with Members to identify the true cause of non-payment and provide personalized options
• Conduct inbound/outbound calling, send letters, and use other approved collection methods
• Collect past-due payments and negotiate payment arrangements or repayment plans
• Document conversations and collections activity in collection systems
• Fund workout loans or work collections reports when assigned
• Maintain adherence to federal and state regulations and Credit Union policies
• Perform file maintenance on delinquent accounts
• Process loan adjustments, including due date changes, opening/closing lines of credit, closing negative accounts, and payment plan maintenance
• Recommend delinquent Members for workout loans, deferments, re-ages, reduced payments, repossession, and charge-off
• Refer complex situations to appropriate resources
• Suggest ways to streamline departmental and Credit Union operations
• Complete assigned departmental projects and reports
• Perform advanced account research and analysis, skip tracing, and asset searches
• Perform other duties as assigned
• Comply with regulatory compliance and assigned training requirements, including BSA regulations

• High School Diploma or GED required
• 1-3 years of prior related experience required
• Knowledge of bankruptcy laws, FDCPA, TCPA and SCRA
• Excellent verbal and written skills
• Uses active listening skills to determine the Member's hardship and provides appropriate solution
• Ability to multi-task
• Intermediate computer and typing skills
• Experience with inbound/outbound phone system preferred
• Conflict resolution and negotiation skills
• Must comply with regulatory compliance and assigned training requirements, including BSA regulations corresponding to specific job duties
• Ability to work onsite in Riverside, Sacramento, or Tustin, California

Demonstrates expertise in loan collection processes, including negotiation and conflict resolution, while ensuring compliance with federal and state regulations. Proficient in documenting collection activities and utilizing communication skills to address Member hardships effectively.

• Loan Collection
• Negotiation Skills
• Regulatory Compliance
• Active Listening
• Conflict Resolution

• Loan Adjustments
• Skip Tracing
• Account Research
• Typing Skills
• Payment Plan Maintenance
• File Maintenance
• BSA Regulations Knowledge
• Bankruptcy Laws Knowledge
• FDCPA Knowledge
• TCPA Knowledge

• Verbal Communication
• Written Communication
• Multi-tasking

• High School Diploma
• GED

• Credit Union Policies
• Delinquency Management
• Workout Loans
• Deferments
• Re-ages
• Charge-off

• Inbound/Outbound Phone System
• Collection Systems