Credit Department

GENERAL SUMMARY

Primary Responsibilities:

1. Model a high energetic, world-class service and sales culture that continually strives to improve the way we serve our members.
2. Contact members as assigned by telephone, letter,text or in person to determine the reason for their being delinquent and assist them in developing a plan to bring their account to a current status.
3. Initiate the appropriate action and paperwork based on the situation, including keeping accurate records of calls and resolutions, while maintaining excellent member service through account contact and member resolution.
4. Provide backup support to the Indirect, Teller and Consumer Lending Departments, in order to maintain quality member service to our membership.
5. Uphold a strong sales culture within the credit union.

Primary Qualifications: Passionate and enthusiastic; possess world class service and leadership skills; strong knowledge and understanding of FirstCCU products and services; strong lending skills.

ESSENTIAL DUTIES AND RESPONSIBILITIES

1. Live the First Community Credit Union Mission, Vision and Values within the organization and our communities.
2. File all small claim actions, money and replevin judgments in a timely manner.
3. Process garnishment paperwork as soon as judgment is received when the employer is known and make sure that there is no lapse in time between garnishments. If the employer is unknown, try to work with the other credit department staff to try to locate.
4. Handle the hiring of repossession services as soon as the promise to pay is broken by sending out all required documents to the repossession company to pick up the vehicle.
   a) Order bond and forward all required paperwork to the Sheriff’s Department when needed. This needs to be done if the repossession company is unable to locate the vehicle within 30 days. b) Make arrangements for the vehicle to be picked up in a timely manner to prevent storage charges.
5. Process all Insurance, Creditor and Single Interest Vendor claims and stay in contact with the insurance companies to force timely payments and settlements.
6. Process all repossession paperwork for refunds of MRC, GAP, (only if no damage) and all aftermarket products to verify that all refunds have been received by FCCU. Follow up with Dealer, if applicable, to make sure that refunds are received in a timely manner.
7. Ensure that the correct paperwork is completed during and after the sale of repossessed vehicles by working with loan staff to verify paperwork is correct and accurate.
8. Work with members who wish to purchase a repossessed vehicle, refer them to a Member Relations Manager to take an application.
9. Responsible for the filing of all Bankruptcy paperwork to protect the interest of FCCU. This includes getting reaffirmation when needed and required and or hiring an attorney to have members surrender our security when not reaffirming.
10. Handle all total loss claims of secured vehicles from start to finish. This will include:
11. Obtaining a copy of the Police Report
12. Verifying we have proper documentation to file GAP Claims
13. Getting all refunds from dealers if it was a dealer contract, NOT GAP, if there is a claim
14. File GAP claim, if applicable
15. Contact member for payoff on any deficiency balance remaining or make payment arrangements
16. Process all E-Oscar and Credit Disputes
17. Send delinquent accounts to a third party for collection if First CCU’s collection efforts are exhausted.
18. Report Charge-off negative checking accounts to Chex Systems greater than $10
19. Send Charge-off negative share accounts to TriVerity greater than $100
20. Send Charge-off loans to TriVerity on an as needed basis
21. Assist in promoting a positive credit union image during working and non-working hours.
22. Make suggestions for improving existing products and developing new products.
23. Maintain a good working relationship with members, coworkers and the Board of Directors.
24. Attend credit union functions as requested.
25. Perform other related duties as assigned.

Required Knowledge, Skills, and Abilities:

1. Passionate and enthusiastic.
2. Strong leadership skills; including planning, organization, communication, mentoring, coaching, staff development, and goal setting.
3. World-class service skills.
4. Advanced knowledge of credit union products; services; loan policies and procedures.
5. Strong sales and sales coaching skills.
6. Knowledge of federal and state regulations relating to credit union operations management.
7. Knowledge of Microsoft Office applications.
8. Knowledge of intermediate math (calculations and concepts involving decimals, percentages, fractions, etc.)
9. Availability to work weekends and extended hours, as needed.
10. Availability to attend special off site sales events and credit union functions, as needed.
11. Outgoing personality, with the ability to ask for new business and capable of making outbound phone calls.
12. Works well with others and is able to work independently.
13. Ability to interpret member needs by listening and collect with tact, empathy and professionalism.
14. Excellent typing skills.

Working Conditions:

Normal office working conditions with the absence of disagreeable elements.

Note: The statements herein are intended to describe the general nature and level of work being performed by employees, and are not to be construed as an exhaustive list of responsibilities, duties, and skills required of personnel so classified. Furthermore, they do not establish a contract for employment and are subject to change at the discretion of the employer.

Education and Experience:

This position requires a high school education. Preferred two (2) years experience in prior collections, and/or a financial institution. This position is also required to become a notary.

Employees must comply with government and other regulations affecting the credit union industry including but not limited to the Bank Secrecy Act and The USA Patriot Act.