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CommunityAmerica Credit Union Charge-Off Recovery Specialist in Lenexa, Kansas

This position will be responsible for managing the collection of all Charged- Off Loans, Credit Cards and Share Accounts. This will include daily collection follow-up, providing documentation, and approving settlement requests according to the credit union guidelines.

  • Contact and follow-up on all charged–off accounts (loan and deposit) via telephone, letter and e-mail to meet monthly production goal.

  • Responsible for directing and implementing the collection activities to achieve the greatest recoveries and maintain compliance with applicable laws governing debt collection.

  • Ensure paid-in-full and settled-in-full debts are appropriately coded in the core processing system and with the credit reporting agencies (CRAs) to ensure compliance with FCRA reporting guidelines.

  • Knowledge of the 1099C tax reporting processes for charged-off accounts.

  • Provide counseling and budgeting suggestions to assist members with repayment of charged-off account obligations.

  • Record and document discussions with and/or promises from members on the credit union’s collection system.

  • Provide accurate account information using department identification procedures.

  • Perform financial transactions in an efficient and precise manner.

  • Recognize account flags such as bankruptcy, repossession, and legal, and respond accordingly.

  • Determine, recommend and use good judgment when accounts should be referred to a 3rd-party collection agency or outside counsel.

  • Secure and interpret necessary credit bureau reports.

  • In depth knowledge of the credit union’s collection, lending, imaging and credit card systems.

  • Communicate with branch and contact center staff on questions involving charged-off accounts, including if an applicant is eligible for new products, services, or accounts with the credit union.

  • Work with 3rd-party, debt settlement companies, within credit union guidelines, to establish an appropriate repayment, or settlement plan, maximizing the credit union’s debt recovery.

  • Promotes honest and open communication throughout the credit union.

  • Demonstrates courtesy, tact, respect, and an overall genuine interest in the success and welfare of others.

  • Effectively handles stressful situations.

  • Demonstrate behaviors that are consistent with the credit union’s values, philosophies, and leadership characteristics.

  • Work with other credit union departments to insure the workflow or process is providing the best service to the members.

  • Assist in the training of new employees.

Education and Experience Requirements:

  • Four-year degree and six months of collection experience preferred.

  • In place of a degree, one or more years of collection experience could be substituted.

Required Knowledge, Skills and Abilities:

  • General knowledge of credit bureau reporting and collection practices.

  • Must have experience in collections of Installment, Credit Card and Real Estate Loans.

  • Knowledge of credit union services and products.

  • Knowledge of FDCPA, FCRA and TCPA

  • Must be able to appropriately resolve conflicts and escalated issues.

  • Must be PC literate.

  • Ability to conform to new policies/initiatives.

  • Must be organized and detail oriented.

  • Able to function and thrive in a high volume production environment.

  • Able to work effectively individually and within a team environment.

  • Ability to resolve interpersonal conflict and miscommunications.

  • Ability to communicate effectively in writing and orally.

  • Ability to resolve interpersonal conflict and miscommunications.

  • Ability to maintain a high level of confidentiality.

  • Must be able to be bonded.

ID: 1251

External Company Name: CommunityAmerica Credit Union

External Company URL: https://www.communityamerica.com/

Street: 9777 Ridge Dr