Credit Solutions Advisor

6 days ago

San Antonio, United States Soarion Credit Union Full time
Job DescriptionJob Description

JOIN Soarion Credit Union in 2024

We take care of our people: Joining Soarion Credit Union is the career move to make in 2024 Soarion Credit Union offers FREE Health and Dental Coverage for you as an employee, as well as a GENEROUS Paid Time Off (PTO) bank for rest and relaxation away from work We also offer all paid days off for Federal holidays

Role:

The role of the Credit Solutions Advisor (CSA) is to resolve delinquency on consumer and indirect loans, credit cards, mortgage loans and overdraft share accounts. The CSA will be responsible for:

  • Collection activities which include but are not limited to, daily phone calls, emails, letters, skip tracing, requesting field visits and processing payments.
  • Assisting members with resolving loan delinquency, CPI insurance matters, and/or other account issues affecting loan payment.
  • Performing skip tracing duties, examining delinquent loans and make recommendation for extensions, due date changes, refinancing, loan modification, TDRs, charge-offs, foreclosure, and repossession.

Work Location:

This is an onsite position. Occasional remote work may be available for select positions and is subject to prior approval by management.

What you will be doing:

  • Timely and proper collection of accounts for maximum recovery and minimum charge-off with all past due loans and negative shares including but not limited to incoming and outgoing calls, correspondence, skip-tracing, and all other loss mitigation efforts.
  • Recommends action to be taken based on thorough analysis, i.e. extension, rewrite, modification or other appropriate workout, repossession, asset liquidation, legal action and/or charge off.
  • Processes bankruptcies and judgments, prepares and files proofs of claim, monitors deadlines and represents the Credit Union in court, when necessary.
  • Complies with Federal and State laws and follows collection policies, procedures, and practices.
  • Recommends and/or assigns disposal of repossession, as needed.
  • Proper documentation for each account worked.
  • Serves as back-up for peer roles and specialized duties, as needed.
  • Provide support to the Director of Credit Solutions & Recovery Strategies (DCRS), Sr. CSA and Asset Disposal Coordinator by giving needed context on accounts to avoid loan losses and reduce financial risk to both the Credit Union and the member.
  • Recommend and/or process loan modifications, loan extensions, due date changes, TDRs, and legal files within established guidelines.
  • Responsible for maintaining working knowledge of the core objectives of the Credit Solutions Department by understanding each of the job functions within his/her own area of accountability and their purpose and impact on the department, members, and the Credit Union.
  • Keep DCRS aware of any member dissatisfaction and system deficiencies
  • Provide superior service to all internal and external stakeholders
  • Timely and effective contact and resolution of all past due loan and negative share accounts
  • Proper documentation and consistent use of all collection activities and resources
  • Ensure all work and notices to members are of high quality and a good representation of the Soarion brand.
  • Resolve outstanding insurance coverage issues on loans where Collateral Protection Insurance premiums have been added or no insurance verification has been received.
  • Refer members to Consumer Counseling Programs.
  • Add new skills and capabilities relevant to his/her personal growth and the organization’s future capabilities.
  • Ensure a positive image with internal and external stakeholders (members, co-workers, peers)
  • Strong commitment to the quality of service provided.
  • Performs other job-related duties as assigned.

What you'll bring along:

  • High school education or GED.
  • 1-3 years of similar or related experience.
  • Must possess working PC knowledge including word processing, spreadsheet skills and Internet/Intranet.
  • Must be able to ensure all collection activity is legal and follows established practices, keeping management informed of operational issues affecting collection activities.
  • Exceptional organizational skills and ability to coordinate daily functions and effectively manage time in an efficient manner. Must be detailed oriented and able to produce quality work and lead own activities.
  • Self-motivated and team oriented. Must be able to interact and work with others to accomplish shared team goals.
  • CUNA Certified Financial Counselor within the first year in the role with recertifications every 3 years.


We are Committed to Equal Opportunity.

Soarion Credit Union believes in equal opportunity for all and is committed to ensuring all individuals have an opportunity to apply for the positions that they are interested in and qualify for without regard to race, religion, ethnicity, national origin, citizenship, gender, gender identity, sexual orientation, age, veteran status, disability, genetic information, or any other protected characteristic. Our equal employment opportunity policy statement, pay transparency nondiscrimination agreement, and the Know Your Rights: Workplace Discrimination is Illegal Poster reaffirm this commitment.

Soarion Credit Union is also committed to providing reasonable accommodations to qualified individuals with a disability so that an individual can perform job-related duties. If you are interested in applying for an employment opportunity and require special assistance or an accommodation to apply due to a disability, please contact our Human Resources team at humanresources@soarion.org.


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