Collector

Our associates enjoy a one-of-a-kind culture with a rich benefits package that includes:
 
 

• Generous paid time off: 11 paid holidays, 2 floating holidays, 6 personal days, 10 vacation days, plus sick time
• Low-cost Medical, Dental & Vision plans – as low as $5 per pay period
• Paid childcare assistance (up to $96 per pay period)
• Award-winning 401(k) 5% discretionary match - fully vested from day 1
• 100% Gym fee reimbursement up to $75/month
• 100% Tuition Reimbursement Up to $5,250
• $1200/yr student loan repayment
• Plus a great schedule with NO WEEKENDS!

Our ideal candidate: 

Contact or locate members with delinquent accounts; attempts to secure payment and avoid potential loss by performing the following duties:

A typical day might include the following:

•Contact delinquent members, co members by telephone and mail to determine the reasons for delinquency and assist members in developing plans to bring accounts to a status; or mitigating losses when necessary.
•Obtain payment arrangements for past due or charged off loans, credit cards, share accounts, mortgages, lines of credit as needed to mitigate potential losses.
•Research member account and transaction activity information and become adept at utilizing those skills and skip tracing tools to contact members and resume collection activity or proceed to next steps.
•Update and note demographics and collection activity on accounts through delinquent loan recovery system.
•Obtain, summarize and update qualifying information to submit deferments and hardships for management approval.
•Submit recommendations to management for voluntary or involuntary Repossession approval and processing.
•Submit recommendations to management for settlement, legal action, or charge off when appropriate.
•Utilizes above mentioned collection strategies to successfully manage Resolve Rate for their own collection queue of accounts.
•Reviews accounts with management when exceptions and escalations are necessary, obtain direction how to handle or transferring call to management to service.
•Services inbound calls, ensure service level and abandoned call rate within department guidelines, goals.
•Maintain superior member service throughout each call while assisting in identifying and executing solutions for our members.
•Obtain proficiency in credit reporting knowledge.
•Obtain proficiency in Bankruptcy knowledge and its effects in our servicing member accounts without additional risk to the Credit Union.
•Developing an understanding of Credit Union philosophy, organization, bylaws, and operational procedures and comply with the requirements of the Bank Secrecy Act, AML, OFAC and all other applicable State and Federal Financial Institution Regulations.

This job description should not be considered all-inclusive. It is merely a guide of expected duties. The employee understands that the job description is neither complete, nor permanent and may be modified at any time. At the request of their supervisor, an employee may be asked to perform additional duties or take on additional responsibilities without notice.

Complies with all policies and standards.

Position grades could fluctuate based on market value.

Education and/or Experience
High school diploma or general education degree (GED); six months to two years related loan adjustment/collections experience.

Why join the OneAZ team?

Our culture is one-of-a-kind! You’ll be joining a team of friendly, hardworking, helpful associates with the same mission guiding all that we do: We exist to improve the lives of our members, our associates and the communities we serve. 

We are proud to be an equal opportunity employer and value diversity. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. 

We offer robust benefits including low-cost medical, dental and vision plans, gym reimbursement, paid parental leave, generous personal days and vacation time, and an award-winning 401(k) program among many others. Take a look at our career page for detailed benefit information: www.oneazcu.com/about/careers

Additional Notes: 

Candidates for this position will be required to sign an authorization for OneAZ to conduct a credit and criminal background check, pursuant to procedures in the Fair Credit Reporting Act and any other applicable laws. 

All candidates will be considered for this position on an individualized basis, in compliance with all applicable equal employment opportunity laws. 

Ensures compliance with applicable policies, laws, and regulations, including the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) compliance, USA Patriot Act, and Office of Foreign Assets Control (OFAC). 

Any individual who meets the definition of a mortgage loan originator and is employed by a federal agency-regulated institution will need to be registered on NMLS.