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Collections Representative

3 months ago

Richmond, United States RVA Financial Full time
Job DescriptionJob Description

POSITION PURPOSE

Responsible for performing collection activities associated with serious delinquent member accounts, including Visa credit and debit cards, lines of credit, secured loans, signature loans, real estate loans, and home equity lines of credit that are involved in bankruptcy or legal proceedings. Reviews delinquent accounts, determines Credit Union position and, as circumstances indicate, directs and assists legal counsel in collections proceedings. Handles all foreclosures. Ensures that the Credit Union's professional image is maintained.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

1. Assumes responsibility for the effective and professional performance of collections functions.

a. Utilizes effective human relations skills and various forms of persuasion to present a positive Credit Union image in an already negative situation. Calms irate members and answers member questions and complaints relevant to Department functions. Determines Credit Union position in bankruptcy proceedings and works to minimize losses.

b. Uses experience and knowledge of Credit Union loan policies, procedures, and documentation together with knowledge of Bankruptcy Law to review member files in order to establish validity of bankruptcy proceedings. Verifies existence of assets or evidence of fraud.

c. Works toward prompt recovery of collateral through negotiations with bankruptcy attorney and/or court.

d. Monitors loans to ensure bankrupt members have adequate insurance coverage to protect collateral and the Credit Union's interests.

e. Directs legal counsel in all court complaints and post judgment actions including garnishments, supplemental orders, and execution.

f. Directs and assists legal counsel in bankruptcy court proceedings. Appears in bankruptcy court actions as needed.

g. Handles and oversees all foreclosure proceedings involving real property. Works with legal counsel to coordinate trustee sales, evictions, and title transfers to the Credit Union.

h. Monitors all attorney and bankruptcy accounts to ensure documents and legal proceedings are filed and followed up by legal counsel in a timely manner.

i. Recommends possible charge-offs. Researches and prepares the Write-off Summary Sheet.

j. Performs collections efforts in accordance with Credit Union policies and procedures and ensures they are legally compliant.

2. Assumes responsibility for the efficient administration of collections activities.

a. Keeps accurate and up-to-date activity reports on late, potentially late, and delinquent loans.

b. Documents all collection actions taken, including telephone conversations, alternative financial arrangements, and correspondence.

c. Researches loan accounts that appear on late and potentially late records to ensure that Credit Union errors are detected promptly. Provides members the opportunity to fully explain their loan status.

3. Assumes responsibility for ensuring that professional business relations are established and maintained with Credit Union members.

a. Maintains the Credit Union's professional reputation throughout collections operations and in all contacts with members.

b. Maintains confidentiality.

4. Assumes responsibility for related duties as required or assigned.

a. Stays informed of changes in collections policies, procedures, and related legal requirements.

b. Actively and professionally cross-sells Credit Union services.

c. Ensures that work area is clean, secure, and well maintained.

 

QUALIFICATIONS

Education/Certification: High school graduate or equivalent.

Additional business training strongly preferred.

 

Required Knowledge: Thorough knowledge of collection procedures, skip tracing, and related laws and regulations.

Thorough understanding of Credit Union loan products and policies.

Knowledge of all loan contract terms and agreements.

Familiar with deposit programs, account ownership, and casualty insurance.

Thorough understanding of all court systems (Small Claims, Circuit, District, Bankruptcy).

Complete knowledge of equity calculations, priority of liens, and redemption rights.

 

Experience Required: Three to four years of collection experience with a full-service financial institution.

 

Skills/Abilities: Accuracy and thoroughness in work.

Ability to manage projects.

Excellent communication, telephone, and public relations skills.

Ability to work well independently.

Ability to work well in stressful situations.

Ability to operate related computer applications and other business equipment including calculator, typewriter, copy machine, printer, credit bureau terminal, telephone, fax.

Company DescriptionRVA Financial formerly New Generations FCU is a full-service, community-chartered credit union. We began in 1950 by serving the needs of City of Richmond employees. While Richmond employees have remained a core membership group for us even today, over the years we have also welcomed the employees of over 700 Richmond-area businesses into our fold as members. As RVA Financial has grown in size, we’ve also expanded membership eligibility so that anyone who lives, works, worships, or goes to school in Richmond, Chesterfield, Goochland, Hanover, and Henrico can join. RVA Financial currently has approximately 14,000 members, $64 million+ in total assets, and operates a branch Contact Center Branch, Online Banking Branch, in addition to two City offices.Company DescriptionRVA Financial formerly New Generations FCU is a full-service, community-chartered credit union. We began in 1950 by serving the needs of City of Richmond employees. While Richmond employees have remained a core membership group for us even today, over the years we have also welcomed the employees of over 700 Richmond-area businesses into our fold as members. As RVA Financial has grown in size, we’ve also expanded membership eligibility so that anyone who lives, works, worships, or goes to school in Richmond, Chesterfield, Goochland, Hanover, and Henrico can join. RVA Financial currently has approximately 14,000 members, $64 million+ in total assets, and operates a branch Contact Center Branch, Online Banking Branch, in addition to two City offices.