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The Credit Union Representative will be responsible for performing various types of counter services, cash transactions, and clerical duties to assist the Credit Union Manager in handling operations.

PRIMARY DUTIES AND RESPONSIBILITIES

1. Collections of past due accounts – responsible for reviewing each account to determine the best way to approach the member, and then executing their plan to collect monies owed; conduct custom collections campaigns on each member that consist of emails, phone calls and standard mail correspondence; make payment arrangements and process payments; coaching our members in strategies for handling their debts to achieve a better financial situation; documents all conversations and actions; use various strategies to find members and property; recommend accounts to Manager that need referral to third party vendors (repossession agencies and attorneys as appropriate); print and mail final demand letters; handle repossession process
2. Charge offs and bankruptcies – print and mail negative share letters; report charged off accounts to Equifax; responds to credit bureau disputes; complete credit bureau updates via 3rd-party system; process mailed in disputes accurately and timely; process and review bankruptcies; filing proof of claims and reaffirmation agreements

3. Credit Union teller – handle members needs for access of funds, direct deposit, and other transactions; answer inquiries regarding Credit Union policies and procedures, and status of specific employee accounts; payroll deduction; transaction paperwork and summary sheets; bank deposits; process loan applications, checks applications for accuracy and completeness, and provides general loan information for Manager's review; calculation and preparation of monthly loan insurance forms

1. Compliance - maintain compliance with all state and federal laws and regulations; understand and comply with Fair Credit Reporting Act; maintains a basic understanding of bankruptcy laws; performs all applicable job functions in accordance with established Credit Union BSA/AML/OFAC policies and procedures and completes required training on an annual basis

KNOWLEDGE SKILLS AND ABILITIES/LICENSE OR CERTIFICATION REQUIRED 

1. Minimum of 3 year experience in the financial or collections industry.
2. General knowledge of computers including knowledge of Windows, Excel and Word.
3. Must be able to qualify for bonding.
4. Good organizational and communication skills; should be a self-starter and have the ability to work independently.

KNOWLEDGE SKILLS AND ABILITIES/LICENSE OR CERTIFICATION PREFERRED 

1. Prior credit union or banking experience.
2. Experience in Credit Union Core systems.
3. Associates degree or equivalent.
4. Experience in Bankruptcy and Auto Repossessions.