Resolution Specialist; Collector

Position: Resolution Specialist (Collector)
#
** Please reference the schedule and minimum qualifications listed below before applying.
** If you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at  option 1 or email  and every reasonable effort will be made to accommodate your needs in a timely manner.#
** Job Summary
** A Resolution Specialist is responsible for delivering personalized service to the member to resolve past due loan balances. In this role, the Resolution Specialist will collect past due payments and assess the member's financial ability by providing resolution options that ensure the best outcome for the member and the credit union.#
** Job Description
***
* LOCATION:

** Mountain America Center
9800 South Monroe Street Sandy, UT 84070
*
* SCHEDULE:

** Hybrid In-Office/Remote Monday-Friday 11:30am-8pmRotating Saturdays To be effective, an individual must be able to perform each job duty successfully.
* Ensures the needs of the membership and the credit union are met through professional, legal, and effective collection procedures.
* Adheres to MACUWay behaviors, values, and philosophy while fulfilling responsibilities as a team member of the Servicing Operations department and the Credit Union.
* Exemplifies role as a team member to promote and maintain effective partnerships with team and membership. Adhere to quality expectations, ensuring compliance with regulatory guidelines (NCUA, FDCPA, CFPB, etc.) while serving the needs of our membership.
* Maintain working partnerships with various MACU teams, including Loan Servicing, Deposit Ops, Fraud, etc. to better serve the needs of the membership and organization.
* Collect on all past due loans within the MACU lending portfolio including secured and unsecured loans, negative shares, resolve problems with member loans and accurately document all collection information to minimize credit union losses.
* Collect on mortgages including negotiating reinstatements, repayment plans, discuss loan modifications & workout loan eligibility, while maintaining compliance with regulatory and credit union policy.
* Consult members and co-signors via telephone and written communication regarding delinquency, and record any contact made.
* Answers incoming calls from members, branches, and service center.
* Keys file maintenance on accounts, collect, and transfers payments on delinquent accounts.
* Basic understanding of repossession procedures, ability to explain process to members to resolve delinquency.
* Validating results of skip trace information.
* Overcoming member objections, de-escalation of member concerns, ability to review and explain MACU policy pertaining to individual circumstances.
* Performs other duties as assigned.
** KNOWLEDGE, SKILLS, and ABILITIES
** The requirements listed are representative of the knowledge, skills, and/or abilities required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.
** Experience
* * One year collection, loss mitigation, loan servicing or customer service experience.
** Education
* * High school diploma or equivalent
** Licenses, Certifications, Registrations
** n/a
** Managerial Responsibility
** Has no supervisory/managerial responsibilities
** Computer/Office Equipment Skills
** Intermediate skills in Microsoft Office (Outlook, Word, PowerPoint and Excel)
** Language Skills
** Must have the ability to read, understand and carry out instructions in written and oral form.
** Other

Skills and Abilities

** Exceptional negotiation skills.

Outstanding telephone and written communication skills.

Ability to maintain professional conduct when interacting with members.

Familiarity with lending-related terminology and processes.

Excellent reasoning and research skills. Ability to safeguard confidential member and company information.

A solid work ethic, high integrity, a positive attitude, and strong attention to detail.

Ability to follow instructions but work with minimal direct supervision.

Ability to perform mathematical calculations. Ability to communicate effectively.

Must be detailed…