Account Resolutions Representative II

EECU•Fort Worth, TX

About The Position

EECU is looking for a Collections Representative (Account Resolutions Representative II) that will negotiate payment arrangements, workouts, and credit counseling as appropriate to assist members with their financial obligations. Have experience in automobile, mortgage, unsecured debt, and credit card portfolio accounts. Key responsibilities for this position will be to collect late stage (90+ days past due) delinquent accounts on all delinquency accounts including charge off accounts. Conduct skip tracing and submit accounts for repossession as required. Establish payment arrangements, provide credit counselling, set and enforce deadlines. Recommend and process loan extensions or workouts. Properly apply laws relating to debt collection, privacy and bankruptcy. Recognize internal process failures that may cause erroneous reporting of delinquency. Must be able to audit loans and explain calculations to co-workers and members. Able to support and have a high understanding of Deceased, Bankruptcy accounts along with Repossession submissions. Responsible for compliance of all Federal and State rules and regulations pertaining but not limited to Bank Secrecy Act, Anti-Money Laundering, Bank Bribery Act, NCUA Privacy Regulations, FCRA/FACTA and Fair Debt Collections Act. Required to attend initial and ongoing annual Bank Secrecy Act training.

Requirements

3 plus years collection experience in automobile, mortgage, or credit card portfolio; late-stage preferred
Two years customer service experience
High level of understanding with deceased, bankruptcy accounts and repossessions
In-depth knowledge of collection laws and general familiarity with bankruptcy laws
Must understand Collateral Protection Insurance
Requires ability to effectively communicate, diffuse tension and calm members
Requires the ability to effectively negotiate acceptable repayment arrangements
Ability to work a flexible schedule Monday through Saturday (couple days a week Mon-Fri- the shift will be until 7pm, Saturdays are 9am-1pm)
High School diploma or equivalent
EECU will, in compliance with applicable laws, evaluate an applicant's credit history. Only applicants with good credit history will be considered for open positions. If offered a position with EECU, will have to clear background check including employment, criminal, and drug screen.

Nice To Haves

Bilingual (Spanish) speaking preferred

Responsibilities

negotiate payment arrangements, workouts, and credit counseling
collect late stage (90+ days past due) delinquent accounts on all delinquency accounts including charge off accounts
Conduct skip tracing and submit accounts for repossession as required
Establish payment arrangements, provide credit counselling, set and enforce deadlines
Recommend and process loan extensions or workouts
Properly apply laws relating to debt collection, privacy and bankruptcy
Recognize internal process failures that may cause erroneous reporting of delinquency
audit loans and explain calculations to co-workers and members
support and have a high understanding of Deceased, Bankruptcy accounts along with Repossession submissions
compliance of all Federal and State rules and regulations pertaining but not limited to Bank Secrecy Act, Anti-Money Laundering, Bank Bribery Act, NCUA Privacy Regulations, FCRA/FACTA and Fair Debt Collections Act
attend initial and ongoing annual Bank Secrecy Act training