About YOU!

Are you looking for a company where you can experience personal and professional growth? Do you have a desire to succeed and a passion for improving the lives of those around you? If so, we'd love to hear more about YOU!

About Us

Why work for Mocse?

Our employees are appreciated, acknowledged and rewarded for the excellent member service they provide. We have an inclusive culture with a strong community connection. We consider ourselves family and care about each other. We are a company you will growth with, develop professionally and make an impact on others. So, come join our crew!

Collector II POSITION PURPOSE

Responsible for review and management of a variety of collection activities. Completes correspondence, processes, collection phone calls, and reports as required with various delinquent member accounts, including Visa credit and debit cards, lines of credit, secured loans, personal loans, real estate loans, and home equity lines of credit and negative share accounts.

Reviews delinquent accounts and determines probable reasons for account status, and negotiates with members to resolve delinquencies and recover losses. Monitors, determines and prepares the appropriate accounts for charge off, assigns to third-party collection agency or legal action. Completes appropriate action for repossession, foreclosure, bankruptcy, legal actions and charge offs. Follows up to ensure prompt recovery of collateral.

Resource for staff, members and third party collection agency for accounts charged off, bankruptcy and legal.

Follows up on all charged-off accounts, bankruptcy, legal action and accounts assigned to third-party collection agency and settlements for payments. May attend 341 and/or reaffirmation hearings or court legal proceedings. Understands and educates members on account terms and alternate payment methods. Completes and follows up on deceased member loans for payment and determines appropriate action. 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. Reviews all delinquency reports from the data processing system and verifies the status of the loans and takes appropriate action.

b. Monitors and follows up on delinquent accounts by telephone, personal contact, and correspondence to secure a satisfactory resolution to the repayment problem. Continues to collect until loan becomes current on charge-offs, bankruptcy, legals, attorney and third party collection agency (Access) accounts. Effective use of collection tools, delinquent loan activity reports and collection systems.

c. Utilizes effective human relations skills to present a positive Credit Union image. Calms irate members and answers member questions and complaints relevant to Department functions. Determines reasons for delinquencies and works toward permanent solutions. Minimizes losses by early actions.

d. Utilizes further appropriate collection methods if initial attempts do not secure required payment. Recommends work-out repayment plans. Suggests consolidations, financial counseling, and repossessions as needed.

e. Acts on notification of impounded, lien sale and stored vehicles to protect the Credit Union’s interest.

f. Assists in skip tracing.

g. Reviews accounts and complete appropriate action for repossession, foreclosure, bankruptcy, legal actions and charge-off. Follows up with agent to ensure prompt recovery of collateral. Responsible for getting the detailed accounting of the loan balance/account and for the appropriate member notification. Recommends and completes small claims court complaints and post-judgment actions including garnishments, supplemental orders, and executions.

h. Performs related collection efforts for Bankruptcy accounts; reviews Bankruptcy schedules, contact attorneys/trustee for appropriate action and prepares for and attends 341 and reaffirmation hearings.

i. Recommends charge-offs and follow up to ensure charge off’s are assigned to attorney or third-party collection agency (Access) in a timely manner.

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

k. Assists and supports in other collection duty functions such as DMV, Quietrak, Board Reports and Charge Off’s processes.

l. Responsible for ensuring collection policies and procedures are adhered to.

m. Maintain and develop processes and procedeures for all collection activities.

n. Purge records if debt has been satisfied.

o. Complete and follow up on deceased accounts with loans.

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

a. Maintains the Credit Union's professional reputation throughout collections operations and in all contacts with members, courts, vendors and legal counsel.

b. Maintains confidentiality.

c. Resolves requests, questions, and problems promptly.

d. Provides information as needed.

e. Serves as a liaison between the credit union members and the Outside Collection Group (Gila) and other vendors.

4. Assumes responsibility for establishing and maintaining effective communication and coordination with Credit Union personnel.

a. Assists credit union staff personnel as needed.

b. Keeps management informed of activities, progress toward established objectives, and of any significant problems.

c. Attends and participates in meetings as required.

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

a. Stays informed of changes in collections policies, procedures, and regulations and notifies Outside Collection Group (Gila).

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

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

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

e. Documents promptly all collection actions taken, including telephone conversations, alternative financial arrangements, and correspondence in collection systems.

f. Researches loan accounts that appear on late and potentially late records to ensure that Credit Union errors are detected

promptly.

g. Completes special projects as assigned.

PERFORMANCE MEASUREMENTS

1. Delinquent and problem accounts are closely monitored, collected and reviewed.

2. Appropriate collections actions are instituted which are in accordance with established Credit Union policies and are legally compliant.

3. Delinquent accounts are promptly collected. A delinquency ratio which meets management standards is maintained.

4. Professional business relations exist with members, trustees, attorneys and other vendors. Members are properly assisted with their financial problems and their questions are courteously answered.

5. Required reports and records are accurate and timely. Meets established time-lines and dates for Repossession, Bankruptcy and legal actions. Meets established timeline for collection systems follow-up.

6. Good working relations exist with credit union staff personnel and with management. Management is appropriately informed of area activities.

7. Actively participates in both departmental and organizational team meetings, goals, and tasks.

8. Supports Mocse Credit Union’s Values and abides by Code of Conduct.

9. Cooperates with supervisor in Performance Management process.

QUALIFICATIONS

Education/Certification: High school graduate or equivalent.

Required Knowledge: Thoroughknowledge of collection procedures and related laws and regulations.

Understanding of Credit Union loan products and policies. Familiar with default and enforcement clauses.

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

Understanding of the U.S. Bankruptcy Code.

Understanding of Small Claims Court system.

Experience Required: Two years of similar or related experience.

Skills/Abilities: Accuracy and thoroughness in work.

Excellent communication, telephone, and public relations skills.

Ability to work well independently.

Ability to work well in stressful situations.

Ability to multi-task.

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

PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

Finger Dexterity: Using primarily just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together.

Talking: Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.

Average Hearing: Able to hear average or normal conversations and receive ordinary information.

Repetitive Motion: Movements frequently and regularly required using the wrists, hands, and/or fingers.

Average Visual Abilities: Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate machinery.

Physical Strength: Sedentary work; sitting most of the time. Exerts up to 10 lbs. of force occasionally. (Almost all office jobs.)

WORKING CONDITIONS

None: No hazardous or significantly unpleasant conditions (such as in a typicaloffice).

MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

Reasoning Ability: Ability to deal with a variety of variables under only limited standardization.

Able to interpret various instructions

Mathematics Ability: Ability to perform basic math skills and to use decimals to compute ratios and percents, and to draw and interpret graphs.

Language Ability: Ability to use passive vocabulary of 5-6,000 words; to read (by sight or Braille) at a slow rate; define unfamiliar words in dictionaries for meaning, spelling, and pronunciation.

Ability to write complex sentences, using proper punctuation, and using adjectives and adverbs.

Ability to communicate in complex sentences; using normal word order with present and past tenses; using a good vocabulary.

INTENT AND FUNCTION OF JOB DESCRIPTIONS

Job descriptions assist organizations in ensuring that the hiring process is fairly administered and that qualified employees are selected. They are also essential to an effective appraisal system and related promotion, transfer, layoff, and termination decisions. Well constructed job descriptions are an integral part of any effective compensation system.

All descriptions have been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive. Additional functions and requirements may be assigned by supervisors as deemed appropriate.

In accordance with the American with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.

Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.

Job Type: Full-time

Pay: $21.94 - $27.42 per hour

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Employee discount
• Health insurance
• Life insurance
• Vision insurance

Schedule:

• 8 hour shift
• Monday to Friday

COVID-19 considerations:
Hand sanitizers and cleaning supplies are readily available.

Ability to commute/relocate:

• Modesto, CA 95355: Reliably commute or planning to relocate before starting work (Required)

Application Question(s):

• Do you have experience with skip tracing for debt collecting?

Experience:

• repossessions: 1 year (Required)
• debt collecting: 2 years (Required)

Language:

• Spanish fluently (Required)

Work Location: In person

Please Note :
blog.nvalabs.org is the go-to platform for job seekers looking for the best job postings from around the web. With a focus on quality, the platform guarantees that all job postings are from reliable sources and are up-to-date. It also offers a variety of tools to help users find the perfect job for them, such as searching by location and filtering by industry. Furthermore, blog.nvalabs.org provides helpful resources like resume tips and career advice to give job seekers an edge in their search. With its commitment to quality and user-friendliness, Site.com is the ideal place to find your next job.