Collections Officer I

The schedule for this position in on-site, Monday - Friday, 10:15 am - 7:00pm. One Saturday per month, 8:30am - 12:30PM.

Our Mission is to help Members grow financially.

Our Vision is to be Members' First Choice for all Financial Services.

We can achieve these goals through our commitment to providing excellent service to our membership and our communities. And it all starts with YOU! We are looking for a service-minded individual to join our team in order to continue to provide the high-quality service our members expect from us.

Our full-time team members enjoy a wealth of benefits including employer-paid medical and dental insurance premiums, competitive pay, and a 401(k) plan with an employer match. The great service we provide to our Members is reflected in our team environment and the professional development opportunities our positions offer. People Helping People is what we do every day.

Submit your application to us today and let us be the First Choice for your new career journey!

About Us:

Knoxville TVA Employees Credit Union is a not-for-profit, Member-owned, and locally operated financial institution serving the financial needs of its communities of Membership. We have 25 locations throughout East Tennessee and we serve more than 300,000 Members. The Credit Union helps Members grow financially by offering a variety of accounts including: checking, savings and investments. Also offered are competitive loan rates on new and used autos and recreational vehicles, mortgages, personal loans and credit cards.

Pay: Starting Range is $19.50 - $21.50, depending on work experience.

Schedule: Monday - Friday 8:00am to 4:45pm

Benefits:
• Employer-paid health and dental insurance monthly premiums
• Accrual of PTO Leave
• Employer-matched 401k, 50% match up to 6% of employee contributions
• Employer-paid Group Life Insurance and Long-Term Disability benefits
• Potential bonus up to 11% of average salary over the past year based on Credit Union-wide goals
• Paid Holidays and Paid Training
• Potential pay increases through additional training opportunities
• Opportunity to earn incentive pay
• The ability to help serve your local community through our mindset of People Helping People!

PRIMARY RESPONSIBILITIES:

Monitor payments for late and/or delinquency status.  Follow up on delinquent and overdue accounts by receiving and initiating phone calls and/or letters.

Communicate sense of urgency when speaking to members in reference to their delinquent account. 

Collect on multiple delinquent accounts and communicate a sense of urgency to the debtor to pay the delinquent loan up to date. Document all work including, but not limited to, phone calls and promises to pay to maintain accurate records on accounts.    

Request appropriate collection letters according to department guidelines.

Understand and appropriately apply the Fair Debt Collection Practice Act in all account communication.

Originate, negotiate and present potential extensions and workout/consolidation loans for approval.

Perform advanced skip tracing techniques.

Review and approve redemptions of assigned repossessions within the assigned queue.

Maintain knowledge of all language on Credit Union loan documents and general agreements.

Maintain an understanding of Credit Union mortgage loan products and fair market values.

Maintain an understanding of Credit Union utilized systems including but not limited to collection payment and payment and insurance vendor systems.

Follow all Credit Union policies, procedures and regulations.

Represent the Credit Union in a professional manner (including but not limited to appearance, behavior and performance).  

Maintain regular and predictable attendance.

Work cooperatively with others.

All other duties as assigned.

QUALIFICATIONS:

Education/Experience – High school graduate or general education degree.  A minimum of two years collection experience strongly preferred. Strongly prefer previous credit union experience and experience collecting multiple loan products.