Credit and Collections Analyst I - Glendale

Overview

This position is responsible for performing a variety of collection department duties.  Handles outsource collection agency (SWBC) daily payment file, maintain Asset Management Department mail/email inbox, reconcile department general ledger, review account closure and issue checks, review secured accounts and investigate fraudulent account activities.  Will also assists other collectors as necessary and provide assistance to supervisor as needed.

Responsibilities

Principal Accountabilities:

Assumes responsibility for the daily collection duties pertaining to the department. 

• Review daily posting file from SWBC to ensure all payments were posted accurately.
• Maintain all incoming mail and email to department inbox.
• Process and post daily checks.
• Ensure accounts are closed and reimbursement checks are issued timely.
• Daily and monthly reconciliation of department general ledger.
• Maintain and track all subpoena and levies received in department.
• Investigate and respond to ChexSystem inquiries and disputes.
• Review FIS batch reporting.
• Daily and month end charge-off for share and loans.

Assumes responsibility for establishing and maintaining working relationships with members and employees. 

• Keep management appropriately informed of collection area activities.
• Ensure compliance of all applicable regulations, industry standards, and internal policies (FCRA, FACTA, FCBA, CDIA, CRRG, Privacy Act, Dodd-Frank Act/UDAAP).
• Ensure compliance of all documents related to legal issues (bankruptcies and small claims).          
• Knowledge of credit union collection policies and procedures.
• Attends monthly collection department staff meetings.

Assumes responsibility for other related duties as required or assigned. 

• Communicate with collection agencies, vendors and attorneys as needed.
• Assists other collectors when workloads and call volume high.
• Assists with all other collection department duties as requested or assigned.

  Performance Measurements:

• Satisfaction completion of goals and objectives.
• Job responsibilities are completed accurately, timely and in accordance with credit union collection policies and procedures.
• Effective and courteous interaction and communication with employees, at all levels.
• Successful application of job knowledge skills including PC usage, skip tracing and legal regulations.
• Good verbal and written communication skills.
• Experience in collection of delinquent loans.

Qualifications

Abilities:    

• Ability to solve problems and carry out responsibilities with little supervision.                                
• Strong organizational and member service skills.
• Ability to work across organizational lines to foster teamwork, trust, and quality execution.
• Ability to work independently in a changing environment.
• Ability to interact effectively at all levels and under trying situations.
• Ability to adapt as the credit union evolves and workloads increase.

 Knowledge, Education, Certifications, Licenses:

• High school graduate.
• College degree preferred.
• Exposure to collections policies and procedures.
• Working knowledge of related computer applications including Microsoft Word and Excel.

 Experience:

• Experience in fraud mitigation and risk analytics in deposits, loans, and cards.
• Strong analytical skills to identify and quantify problems and provide effective solutions.
• Excellent verbal and written communication skills. 

Important Notes

Working Conditions and Physical Demands:

The working conditions are a general business office with daily interaction with members, co-workers, and management, sitting for extended periods of time, frequent up/down motion, reaching downward or overhead from sitting position, stooping, and bending.

EOE