Senior Credit Counselor/Hybrid

FRANKLIN MINT GROUP•Chadds Ford Township, PA

7d•$24 - $33•Hybrid

About The Position

Performs member outreach via telephone and written correspondence to resolve past due loans, maintain member goodwill, protect our collateral position, control TDR impact, and protect the interest of the overall credit union membership.

Requirements

High school diploma plus a minimum of 5 years collection experience; Associates degree a plus.
Financial institution background strongly preferred.
Strong demonstrated abilities required:
Customer/Member Service
Interpersonal/Team Player
Motivated/Works Independently
Analytical/Problem Solving
Organizational Skills
Project Management Skills
Detail Oriented
Verbal/Written Skills
Microsoft Office
Prioritize/Multi-task
Ability to work a flexible schedule
Must maintain confidentiality
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. While performing the duties of this job, the employee is regularly required to talk, hear, and sit. This position requires standing, walking, bending, kneeling, stooping, crouching. The employee may occasionally lift and/or move items over 15 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus.

Responsibilities

Contacts credit union members, via telephone and mail, when loan accounts are past due.
Resolves delinquencies, assesses risk and mitigates loss wherever possible, while seeking to maintain member goodwill. Products include but are not limited to mortgages, new or used auto, lines of credit, personal loans, and small business loans.
Locates members whom we have been unable to reach by using approved skip tracing methods, products, companies, resources and the incumbent’s own collection experience in an appropriate manner.
Evaluates members suitable for extensions, workouts, and refinances. Makes decisions within authority; makes recommendations on more complex cases and presents to management.
Scans checks if needed and Pulls payments from members’ accounts using established guidelines.
Conducts line revocation, equity review, repossession assignments and management, insurance claim follow up, pre-foreclosure correspondence and management, and review of potential charge off accounts.
Counsels members on prudent credit usage, personal financial management, and creating mutually beneficial payment plans when discussing their relationship with the credit union.
Conducts charge off placement and recovery when appropriate
Provides support to management pulling reports
Attends training and education to further enhance collection/member service skill set including on the job work, Credit Union courses, and webinars.
Is responsible for adhering to operational controls, including compliance with all required regulations and policies such as the Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) to ensure the safety and soundness of the Franklin Mint Federal Credit Union and its members.