Collections Representative II

Credit Representative IIJoin a spirited, dynamic team with Hawai`i's leading credit union as we make a difference in our community – providing financial value, exceptional service, and state-of-the-art convenience to our members.Position Purpose:This position works with members with delinquent loans and negative share accounts on repayment schedules and return items; stays abreast of collection laws, and minimizes loan delinquency through regular contact and follow-up.Essential Functions:Contacts, by phone or mail, members with delinquent accounts in order to establish a mutually agreeable payment schedule on a regular basis.Responsible for accurate and complete maintenance and documentation of all actions taken, both verbal and written transactions.Follows up on loan payments made with non-sufficient funds and insufficient payroll deductions and periodic payments.Educates members on how to pay their debts in a timely manner.Identifies potential troubled members, and negotiate payment options.Responsible for accurately updating collection reports in a timely manner.Follows established collections procedures and prepares and mails all delinquent loan reminder notices.Prepares and maintains appropriate documents for charged-off loans, auto repossessions, and bankruptcies.Researches loan payments to ensure that the member receives full and complete explanation of the status of his/her loan.Researches automatic payment changes that may affect the status of a loan payment.Responsible for maintaining accurate collection records and files.Assists members in completing documents for filing (CDI & CLI) insurance claims.Submits appropriate documents for collateral protection insurance coverage.Evaluates and gathers information on delinquent accounts submitted for workouts.Performs other duties as needed.Performance Standards:Provides excellent member service (internally & externally).Maintain reasonable delinquency ratio.Maintain & document of all member interactions during collection efforts.Accurate and timely follow-up on delinquent accounts.Qualifications:Education/Certification:High school diploma or GED is required.Required Knowledge:Basic understanding of MS Office Suite.Basic knowledge of credit union programs.Knowledge of state and federal collection regulations.Experience Required:Two to three years lending and collection experience.Skills/Abilities:Excellent verbal and written communication skills.Able to navigate and properly utilize the core collections system.Negotiating skills.Analytical and problem-solving skills.Activities and Requirements of this Position:Repetitive Motion: Movements frequently and regularly required using wrists, hands, and/or fingers.Communication Skills: Must frequently convey detailed or important instructions of ideas accurately and quickly.Visual Abilities: Average visual acuity necessary to read, prepare and inspect documents or products.Hearing: Able to hear average or normal conversations and receive information.Physical Strength: Sedentary work (sitting most of the time). Able to lift and carry up to 25 lbs.Reasoning Ability: Able to apply common sense understanding to carry-out detailed instructions and to deal with problems involving variables.Mathematics Ability: Able to perform basic math skills including adding, subtracting, multiplying and dividing using a calculator.Language Ability: Able to write complex sentences using normal word order with present and past tenses, as well as a command of the English vocabulary.Working Conditions:Air-conditioned, smoke-free office setting.Attendance Requirements:Please note that scheduled attendance requirements may change due to business needs.Business Hours:Monday through Saturday. Business hours are subject to change.

Must be able to work additional hours, weekends, and holidays as needed.