Job Description:

Essential Functions:

Embold Standards & Culture:

• Embraces the Embold Experience including our Mission and Vision Statements, Core Values.
• Establish and maintain productive and effective working relationships with the Embold team.

Member Communication & Relationship Management:

• Utilizes effective human relations skills and various forms of communication to present a positive Credit Union image in potentially difficult situation.
• Responsible for both incoming and outbound calls on past due accounts; discusses and makes independent decisions regarding possible financial arrangements and communicates potential additional collection action if not resolved in a timely manner.
• Member contact and account resolution is often resolved with a phone call, email, or letter to the member; Member contact is consistent and frequent. (greater than 60 calls per day – primarily outgoing phone calls)

Collections & Account Resolution:

• Pursues collection of delinquent and over drawn members by phone, email, letters and text to secure a satisfactory resolution.
• Utilizes appropriate collection methods if initial attempts do not secure required payment or payment arrangements.
• Follow-up and continue to collect on accounts until they are reassigned.
• Performs all duties associated with collections, documentation, record keeping, correspondence, and skip tracing.

Charge-Offs, Loss Mitigation, & Loan Servicing:

• Performs charge-offs on overdrawn shares and delinquent loans.
• Executes process of total loss for collateralized loans.
• Responsible for communication with members, insurance companies and dealerships to complete the total loss process.

Insurance Administration:

• Contacts past-due members that need to provide updated insurance information required on secured loans. At times also contacting the member’s agents to assist in obtaining the correct information to avoid forced placed policies or obtain refunds. Responsible for assigning and maintaining all records related to force-placed insurance through third party insurance provider. Will be the primary contact to resolve any discrepancies or questions.

Records Management & Reporting:

• Maintains ChexSystems records and submits appropriate account data for charged-off Shares.

Compliance, Risk Management, & Internal Controls:

• Maintain a high level of knowledge of and adherence to Credit Union internal controls, compliance, laws, regulations, guidelines, policies and procedures in the area of responsibility.
• Maintain strict confidentiality regarding all non-public data and uphold the financial integrity of the Credit Union.
• Advise manager of any atypical situation that could pose a threat, risk, or loss to the Credit Union.

Technology & Systems Proficiency:

• Proficiency in using basic computer operating systems, word processing tools, email platforms, internet functionality, and Credit Union core systems.

Other Duties:

• Perform other duties and responsibilities including departmental and individual goals and objectives as assigned.

Competencies:

• Communication / Teamwork
• Job Knowledge
• Member / Market Focus
• Analytic / Critical Thinking
• Professionalism
• Attention to Detail
• Product Knowledge
• Emotional Intelligence
• Computer Literate

Other Expectations:

• This position is responsible for providing support to other departments/branches as needed. This could result in a temporary or permanent reassignment to another department/branch based on organizational needs.
• Participation in community and/or volunteering events preferred.
• Continual understanding, applied knowledge of, and adherence to the Bank Secrecy Act and all federal, state, and local financial regulations and reporting.
• Ongoing professional development – must complete the annual required courses and trainings; must meet expectations on Performance Evaluations.

Experience:

REQUIRED: Six months of similar or related duties (as outlined in the essential functions), including time spent in similar or preparatory positions.

PREFERRED: Two years of similar or related duties (as outlined in the essential functions), including time spent in similar or preparatory positions.

Education:

REQUIRED:  A high school degree or GED. 
PREFERRED:  A two-year college degree or completion of a specialized course of study.

Work Schedule

FULL-TIME – Non-exempt – 8:30 AM – 5:30 PM Monday thru Friday.

Starting Pay Expectations:

Minimum of $27.96 an hour to pay range midpoint of $29.43 an hour. Placement will generally not exceed the midpoint based on qualifications, experience, and internal equity. 

Those who are fluent in Spanish are eligible for a language differential pay.

How We Determine Pay:

This position is covered by the Oregon Equal Pay Act. Your salary is determined based on the experience listed in your resume that is directly related and equivalent to the position for which you are applying. It is strongly encouraged to include any transferable experience (paid or unpaid regardless of how recent) to ensure your offer is reflective of all your relevant experience.

Benefits: Here are a few of our great benefits.

Medical, Vision, and Dental- Generous PTO-401k- Education Reimbursement & Student Loan Repayment Assistance and the onsite gym at administrative headquarters.

We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law.