Bilingual (Spanish) Collector II

Chartway Federal Credit Union•South Jordan, UT

3d•$20 - $22

About The Position

The Collector II is responsible to the Collections Manager/Supervisor for efficiently processing assigned accounts. The role contacts delinquent members to obtain past-due payments, secure commitment agreements, establish repayment plans, or recommend actions to mitigate Credit Union losses. The position also supports collection operations through payment processing, training and mentoring Level 1 collectors, special projects, and loss-prevention recommendations. The role requires a solid understanding of bankruptcy accounts, the repossession process, all loan types, skip tracing, FDCPA, collection procedures, and Chartway Credit Union policies and procedures. Candidates must be bilingual in Spanish and have at least two years of relevant collections experience. The position is based in Virginia Beach, Virginia, or South Jordan, Utah.

Requirements

Bilingual in Spanish.
High school education or equivalent GED.
A minimum of 2 years of collections experience in consumer loans, mortgages, fraud, small business, or student loans, or equivalent experience working mid- to high-level delinquency accounts.
Communicate clearly and professionally using proper grammar and telephone etiquette.
Correspond professionally using Word, Excel, and Outlook.
Refer to policies and procedures when applying information and making decisions.
Adapt quickly to the needs of the Collections Department.
Perform addition, subtraction, multiplication, division, and percentage calculations.
Adhere to state and federal collection and bankruptcy laws, rules, and regulations, as well as cross-collateralization policies and credit rating agency and reporting requirements.
Maintain composure with difficult or irate customers.
Meet or exceed all training requirements for the Level 1 position.
Attend required Credit Union meetings and successfully complete required training classes.
Have a good credit history for consideration.
Include salary requirements and submit a Chartway Employment Application with the resume.

Responsibilities

Process collection department payments via Western Union, Converge, and ECM (ACH and credit card).
Maintain established performance standards.
Train and mentor Level 1 collectors.
Assist management with special collection projects.
Send collection letters and emails using expiration dates and notices appropriate to the delinquency type.
Recommend and prepare Workout Packets following the approved Workout Program.
Handle bankruptcy accounts.
Apply working knowledge of the repossession process, letters, arrangements, fees, payments, and CPI.
Understand all loan types.
Perform skip tracing using approved sites.
Follow FDCPA, collection procedures, and Chartway Credit Union policies and procedures.
Assist in the area as directed by managers.
Recommend loss-prevention strategies that protect the Credit Union's interest in collateral.