Money One Federal Credit Union
Under general supervision, but following established policies and procedures coordinates the Collection activities of the Credit Union. 

General Summary
Ensures Collection activities are in compliance with state and federal regulations and Money One FCU policies and procedures.  Maintains the delinquency rate according to Credit Union goals and maximizes the charge-off and recovery process. Performs all duties of a Collector. Responds to questions and/or provides information upon request from members (internal and external).  Processes requests/transactions, as appropriate.  Assist members and potential members in understanding and utilizing Credit Union products and services.

Major Duties & Responsibilities
1. Collects all past due accounts. Communicates and counsels members with delinquent accounts using specific knowledge of Money-One FCU guidelines, NCUA policies, as well as the Fair Debt Collection Practices Act. Counsels members with delinquent loans using specific knowledge of good collection techniques to maintain good relationships with delinquent members and yet avoid losses. Responds to consumer disputes from Credit Bureau Agencies to ensure proper reporting of account activity. Reviews debt proposals from debt management organizations to work out reduced payments on delinquent and non-delinquent accounts.
2. Responsible for but not limited to, recommending which accounts to charge off, repossession, legal action, settlements on charged off accounts, freezing shares for delinquent purposes, answering court attachments, handling bankruptcies, and when necessary, works with the credit union-approved collection attorney to collect accounts through legal means.
3. Gather information regarding delinquent loan activity for the VP-Finance & Administration. Recommend delinquent accounts to be charged off. Responsible for preparing a variety of reports on a weekly, monthly, quarterly, etc. basis, and for recommending policy and developing procedures to assure compliance with state and federal regulations.
4. Represents the Credit Union at legal proceedings. Negotiates with attorneys on bankruptcy and other legal issues. Coordinates repossessions. Initiates appropriate action to sell or dispose of repossessed vehicles. Assigns accounts to outside Collection agency, according to policy. Responds to court garnishments and levies.
5. Performs other Administrative and/or Collection related duties as assigned by the VP-Finance & Administration.

Education & Experience
High school diploma or equivalent (GED). Minimum two (2) years experience working with consumer loan collections and delinquencies. Demonstrated knowledge of Fair Credit Reporting Act and rules and regulations related to repossessions and bankruptcies. Excellent oral, written telephone and interpersonal communication skills. Demonstrated knowledge of credit and lending policies and procedures. Excellent organizational, analytical and problem solving skills. Ability to deal with difficult members, resolve problems and work well under pressure while representing the CU in a positive manner. Must possess a strong service orientation. PC proficient including Microsoft Office (Word, Excel, Outlook) and the Internet. Ability to function in a financial institution branch environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc. Travel required. Ability to lift a minimum of 25lbs. e.g. file boxes.

Resumes should be sent to