Collections Counselor
- Contacts delinquent/overdrawn accounts by phone and mail; takes appropriate action to correct the delinquency or negative balance.
- Analyzes financial condition of delinquent borrowers; makes recommendations for extension agreements, payment modifications, and workout loans when applicable.
- Assists members and credit union employees with their telephone requests; answers questions about delinquent accounts that are within their authority to resolve; refers problems that are beyond their authority to their supervisor, along with their recommendations.
- Ensures the appropriate records are maintained and required reports are prepared on all collection activity including current delinquency and charged off accounts.
- Performs clerical duties to support the Collection Department Staff which includes research, file maintenance, payments postings, and acting as a liaison between member, credit union, and collateral protection insurance company.
- Informs management of trends in loan underwriting contributing to delinquent/charged-off loans.
- Performs other job-related duties as assigned.
- Maximize the collection and/or recovery of credit union assets from delinquent and charged-off accounts.
- Maintain accurate and complete records of all collection and recovery activity.
- Adhere to provisions as set forth in the Fair Debt Collection Practices Act (FDCPA) and ensure collection activity is always within Credit Union policy and all relevant regulations.
- Identify and inform management of potential underwriting problems.
- Provide informed, professional, and accurate service and support to all members and employees.
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