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Redwood Credit Union · 15 hours ago

Financial Assistance Representative I (Collections Representative)

Napa, California

Full-time

Onsite

Entry Level

$26/hr - $34/hr

3+ years exp

Redwood Credit Union is looking for a Financial Assistance Representative I who will be responsible for performing a wide variety of semi-routine duties of moderate complexity. The role involves contacting members with delinquent accounts, providing exceptional service, and assisting with administrative support related to collections.

Finance

Growth Opportunities

No H1B

Responsibilities

Contact members with delinquent loans, negative shares, and Visa accounts to arrange payments, assess account status, and restore services

Handle inbound and outbound calls while adhering to compliance and member information security protocols

Deliver exceptional service to members and internal departments, making sound decisions and escalating issues when necessary

Perform skip-tracing and support delinquent members by processing payments, extensions, and workout loans

Recommend accounts for repossession and assist Collateral Recovery Officers with documentation and follow-up

Support bankruptcy and deceased member account processes as assigned

Assist in processing request for charge off accounts for those loans determined to be un-collectible

Complete departmental and back-office tasks as assigned including (but not limited to) typing, routine letter and/or documents

Assist in the preparation of documents needed for the pursuit of legal action against Members and/or support the bankruptcy process, as assigned

Prepare periodic specialty reports or balance department related general ledger accounts, as assigned

Serve non-delinquent Members by accepting phone payments, processing extension requests and workout loans

Qualification

Fair Debt Collections ActCredit Union collection lawsRepossession processSkip tracingCall center environmentInsurance knowledgeComputer skillsTeamworkConfidentialityCommunication skillsRelationship building

Required

Knowledge of Fair Debt Collections Act

Knowledge of Federal and state laws, rules, and regulations concerning Credit Union collection activities

Comprehensive knowledge of repossession process

Comprehensive understanding of call center environment

Knowledge of skip tracing, small claims, and bankruptcies

Knowledge of insurance (collateral and disability) as it pertains to the collection of delinquent accounts

Skill in the operations of a personal computer with Internet and intranet access, word processing and spreadsheet software

Ability to provide quality professional service to all Members

Ability and desire to work in a team environment

Ability to keep Members information confidential, strictly adhering to company MIS policies

Ability to measure performance in a productivity driven environment

Ability to communicate effectively, accurately, intelligently, and professionally, both verbally and in writing, including effective telephone communication skills

Ability to establish and maintain effective working relationships with a diverse group of people

Ability to work a rotating schedule which will include working on rotating Saturdays

The ideal candidate has a combination of education and experience equivalent to a high school diploma with a minimum of three years of collections experience in a measured, productivity driven environment

Benefits

Competitive medical, dental, and vision insurance, mental health offerings

Employee performance incentive plan

Salary Advancement– Merit increase based on performance

401(k) program with employer match

Time Off- Competitive PTO accrual plus 11 paid company holidays and your birthday off!

RCU employees are eligible for a .75% discount off RCU standard collateral auto loans

RCU employees are eligible for a 1% discount on all recreational or boat loan products

2% discount off Visas and LOC Loans through RCU

0% interest loan to support employees with various immigration related expenses such as visa application fees and relocation costs. Loan amount up to $1,000.

0% interest loan to support employees with expenses associated with the naturalization process. Loan amount up to $15,000.

0% interest on garment, fitness, or home office equipment loan of up to $500

100% financing for employee purchased homes!