Collector/Teller

Description

SUMMARY

This position collects past due accounts and remedies these loans to a conclusion and works as a Teller.

Collector Duties

•  Monitor payments for late and/or delinquency status. Follow-up on delinquent and overdue credit balance accounts by phone and/or letter. Ensure professional interface with members.
•  Contact delinquent members to determine the reasons for being delinquent and assist them in developing plans to bring accounts current.
• Notify Co-Signers regarding the status of delinquent accounts.
•  Update files and system accounts via the credit union’s delinquent loan recovery system.
•  Secure credit bureau reports. Skip trace on loan accounts. Maintain accurate data for repossessions, bankruptcy, and charged-off files.
•  Research payroll deductio, stops, starts, and changes as they may affect the status of loan repayment.
•  Determine along with the manager when to initiate foreclosure or repossession proceedings.
• Sell repossessed vehicles at auction or by other means and process paperwork.
• Send accounts that have been Charged-Off to collection agencies and/or attorneys for collection and/or garnishment.
•  Follow the credit union’s approved Collection Policies.
• Additional duties may be assigned by management as needed.

Teller Duties

•  Greet and welcome members to the credit union in a friendly and professional manner.
•  Receive checks and cash for deposit to accounts.
•  Cash checks and process withdrawals.
•  Receive loan payments.
•  Count, check, and package coins and currency.
• Promote, explain, and cross-sell other credit union services.
•  Open and close accounts.
• Assist with mail or email transactions, when available.
•  Maintain an up-to-date comprehensive knowledge on all credit union products and services that are handled or promoted by tellers. 
•  Maintain an up-to-date and comprehensive knowledge on all related policies and procedures, rules, and regulations for the teller area.
•  Attend training and meetings as required.

Requirements

QUALIFICATIONS

• To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

EDUCATION and/or EXPERIENCE

• High school diploma; Two or more years related experience and/or training; or equivalent combination of education and experience.

LANGUAGE SKILLS

• Ability to read and interpret documents such as procedure manuals, regulation changes, and operating and maintenance instructions. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization.

MATHEMATICAL SKILLS

• Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.

REASONING ABILITY

• Ability to apply common sense understanding to carry out detailed but uninvolved written or oral instructions. Ability to deal with problems involving a few concrete variables in standardized situations.

CERTIFICATES, LICENSES, REGISTRATIONS

• None.

PHYSICAL DEMANDS

• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.
• While performing the duties of this job, the employee is regularly required to stand or sit; use hands to finger, handle, or feel; reach with hands and arms; and talk or hear. The employee frequently is required to walk. The employee is occasionally required to climb or balance; stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, color vision, peripheral vision, depth perception and the ability to adjust focus.

WORK ENVIRONMENT

• The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.
• The noise level in the work environment is usually moderate.

COMMENTS: This position description is intended to convey generally the duties of this job. It is not an all-inclusive listing of duties and is not a contract, expressed or implied.