Collector SR

Title: Collector SR Position Status – Full-time non-exempt (hourly)

Reports To: Collections Manager Target Hiring Pay Range: $23.87 - $29.84 per hour The listed pay information includes the minimum rate of pay to the mid-point rate of pay for the posted position The actual compensation for this position may vary based upon, but not limited to, licenses or certifications, education or equivalent work experience, market data, qualifications, relevant experience, prior work and performance history, geographic location, and business sector. We believe great work is to be rewarded with great benefits. Our benefits include, but aren't limited to, Medical coverage with generous company contributions, Dental with employee only coverage paid by the company, Vision with employee only coverage paid by the company, Paid Time-Off, 401k plan with a defined company match, company paid long-term disability, short term disability, and company paid holidays.

Purpose: The primary purpose of this position is to assist Atlanta Postal Credit Union to live out our Mission, "To help our members achieve financial success by providing exceptional products and service." The Collector SR focuses on the management of the most challenging delinquent accounts, conducting skip tracing efforts, and the development of strategies aimed at minimizing charge-offs and financial losses for the credit union.

Duties and Responsibilities: Adhere to and deliver on APCU Center Parc's core values: Serve Exceptionally Commit to Better Find the Fun Invest in Integrity Follow the Numbers Go Forth and Conquer Protect with Passion Work assigned delinquent accounts and account files. Conduct thorough skip tracing efforts to locate members who have changed addresses or otherwise have proven to be difficult to reach. Utilizes available and legal means, tools, and databases to gather information or generate means or potential means of contacting a member regarding their delinquent account. Engage with members to negotiate payment arrangements to mitigate delinquency or recommend permissible loan modifications when prudent to do so as a means to bring the member's account current. Demonstrate an understanding of best practice collections and loss mitigation strategies. Analyze the financial history of accounts to determine the best course of action for recovery; Engage in regular follow-up with members. Implement a post arrangement follow up process to ensure members have adhered to previously agreed upon arrangements and ensure the members' understanding and clarity of future arrangements. Provide desired reports to management regarding collection activities, account statuses, and results of recovery efforts. As required, respond promptly to voicemails for the collections department; Review and respond to open items in the ticketing system. As requested or to the extent it is applicable to the work underway, review and respond to all correspondence related to permissible purpose activities under the Fair Credit Reporting Act (FCRA). Demonstrate a sense of urgency, attention to detail, and the ability to multi-task Effectively use written and oral communication skills in daily correspondence. Adhere to the provisions of the Fair Credit Reporting Act (FCRA), Fair Dept Collection Practices Act (FDCPA), and any other state or federal regulation associated with the process of attempting to collect debts. Comply with all aspects of BSA/AML and OFAC regulations as they relate to this position. Travel associated with this role is less than 10%. Other duties as assigned.

Supervisory Responsibilities: No direct reports. May manage day-to-day tasks through indirect reporting relationships or through a matrixed management approach and the ability to collaboratively interact with internal and external partners. Qualification Requirements To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/pr ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. Required Education and/or Experience An associate's degree in business administration, finance, accounting, or related field or an additional 2 years of relative work experience in lieu of degree 2 years of specific work experience collecting on retail collateralized accounts Technical competence with MS Office products, and commonly used collections software Preferred Education and/or Experience Bachelor's degree in business administration, finance, accounting, or related field or an additional 4 years of relative work experience in lieu of degree 3 years' specific work experience collecting on the most difficult accounts and skip tracing in a Credit Union. Previous experience with Symitar, Elle, Temenos or other collections or financial services software applications Physical Job Requirements Must be physically able to operate a variety of automated office machines such as calculator, computer, printer, facsimile, telephone, copier, etc. Must be able to stand, bend and stoop as needed. Must be able to lift and/or carry weights of 5 to 25 pounds. APCU Center Parc Credit Union is an equal opportunity employer committed to providing equal opportunities to applicants and our policy is not to discriminate against any applicant or employee based on race, color, sex, religion, national origin, disability status or veteran status or any other basis protected by applicable federal, state, or local laws. APCU Center Parc Credit Union prohibits harassment based on the same protected classes and criteria. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job. The requirements for the position listed are general and are not all inclusive. If you have any questions concerning this position, please contact Human Resources. Please note that an employment offer, and your continued employment are contingent upon acceptable results of a background and credit check, and satisfactory proof of your right to work in the U.S.