Credit Counselor

Description

The Collections Specialist is responsible for managing delinquent accounts and supporting the financial well-being of members through proactive outreach and resolution strategies. This role requires a strong working knowledge of core systems including loan, deposit, and collections platforms.

Essential Functions & Responsibilities:

Level I: 

• Demonstrate a working knowledge of the applicable core system, including loan, deposit, and collections platforms.
• Informs management of trends in underwriting contributing to delinquent/charge off loans.
• Contacts delinquent account holders to cure defaults; utilizes various skip tracing tools, and maintains accurate files, and ensures accurate and timely documentation of all collection efforts.
• Analyzes financial situation of delinquent borrowers to include credit bureau reports and provides sound recommendation for solutions to successfully resolve delinquencies.
• Processes insurance, disability, credit life, and whole loss claims.
• Process all member extension requests.
• Promotes a needs based member education culture within the department to identify opportunities to promote credit union products and services to live DNCU’s mission of improving lives while meeting and/or exceeding established member education goals.
• Work effectively in a team environment contributing to the success of the department and organization.
• Comply with all regulations, policies, security procedures, and complete all mandatory annual compliance courses.
• Performs other related job duties as assigned.

Level II ( to include Level I requirements): 

• Accurately update credit bureau reporting when applicable 
• Recommends accounts for further action including workouts, legal and charge offs.
• Maintains a working knowledge of Chapter 7 and 13 Bankruptcies and processes basic bankruptcy claims. 
• Maintain a working knowledge of Repossessions up to and including Liquidation. 

Salary:

Level I: The pay range for this position is $19.32 to $24.15. New hires typically brought into the organization at a rate between the range minimum and the range maximum, depending on the qualifications, internal equity and the budgeted amount for the role. 

Level II: The pay range for this position is $21.52 to $26.90. New hires typically brought into the organization at a rate between the range minimum and the range maximum, depending on the qualifications, internal equity and the budgeted amount for the role.

Benefits:

• Medical, Dental and Vision insurance. 
• 401(k) - Traditional or Roth
• Paid Time Off
• Eleven paid holidays/year
• Employer-Paid Benefits: Employee Assistance Programs (EAP), Short-Term & Long-Term disability
• Other great benefits: Wellness Reimbursement Plan, Educational Reimbursement Program and Development Programs. 

Work Location:

Operations Center located in Espanola, NM. Hybrid work is possible with approval from supervisor and will be subject to change based on the needs of the organization or department. 

Requirements

Experience: 

One year to three years of similar or related experience.

Education: 

A high school education or GED.

Interpersonal Skills: 

Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

Other Skills: 

Professional appearance and demeanor. Provide excellent and knowledgeable service to our members, both internal and external by adhering to our core values. Conduct themselves and members fairly, ethically, and with confidence. Successful job performance involves meeting and/or exceeding teambuilding, interpersonal, relationship building, and technical skills outlined in other duties and responsibilities. Handles sensitive information with complete confidentiality and professionalism. Must have good communication and PC skills. Critical thinker and effective problem solver. Attention to detail. Collaborative service skills. Willing and eager to exceed expectations; demonstrated excellence in all aspects of service delivery operations. Demonstrated proficiency with 10-key calculator, Windows, and other MS Office products and applications.

Physical Requirements:

May require sitting for extended periods of time. 

Work Environment: 

Work is primarily performed within a professional office setting. Hybrid work is possible with approval from supervisor and will be subject to change based on the needs of the organization or department.