At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week.

We encourage you to become a part of VyStar Credit Union's family of employees.

Collector I

ACCOUNTABILITY STATEMENT The Collector contacts members to effectively reduce VyStar exposure to financial losses caused by delinquent accounts. Activities must be conducted in compliance with federal and state regulations.

ESSENTIAL JOB FUNCTIONS
• Reviews delinquency reports and collection system information to determine appropriate collection activity to effectively collect monies due from members. Contacts members to discuss delinquency. Obtains information to effect collection on accounts and make up-to-date arrangements. Follows up regularly if debt not paid current.
• Skip traces difficult to locate members to establish contact by reviewing all relationships in Miser, free internet sites, and skip tracing tools. Submits the account to the skip tracing team to further locate member when preliminary methods are unsuccessful. Recommends to the Collection Supervisor accounts for repossession review when necessary.
• Considers and recommends extensions and/or payment arrangements on delinquent accounts to bring due date current. Consults as needed with the Loan Modification Team regarding extensions, payment arrangements, and workouts.
• Reviews and recommends charge-off accounts to Collections Supervisor and/or Collections Manager.
• Performs other duties as assigned

VYSTAR EXCELLENCE

Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job:
• Focus Focus your full attention by carefully listening to and observing client or member.
• Connect Consistently be friendly and approachable. Demonstrate your care.
• Understand Listen empathetically and ask questions (70%/30% rule).
• Counsel Recommend solutions based on your member's needs and objectives.
• Advance Ensure that member's expectations were exceeded.

Verify necessary follow-up actions.

JOB KNOWLEDGE, SKILLS & ABILITIES

A minimum of one year prior office/clerical experience plus minimum of one (1) year prior collection, call center, and or customer service experience is required. Familiarity with state and federal laws governing collection procedures are preferred.

Assuming the above minimum experience, an incumbent selected for this position would need three months to be fully functional in the job.

During the first six months of employment in the Collections Department, the incumbent must be capable of demonstrating knowledge and skill in the following:

How to navigate through FSBA (Miser) and know the basic speed keys.

Basic desktop procedures for closing accounts.

Basic desktop procedures for waiving late or nsf fees.

Basic skip tracing skills

How to open or close checking and savings accounts.

Basic desktop procedures for placing flags on accounts and removal.

How to access PSCU and check balance, delinquency, statements, and history.

Proficient with Report Retriever, Microsoft Office, and VeriFone

During employment the incumbent must maintain a satisfactory attendance and performance record.

EDUCATION, PHYSICAL & MENTAL REQUIREMENTS

The minimal formal education required is a high school diploma or its equivalent.

Position requires interpretation of auditory sources of information, i.e., group meetings, telephone calls, manual dexterity to permit interaction with a computer keyboard, the ability to organize and interpret data, i.e., report and computer displays.

JOB REQUIREMENTS

The incumbent is required to complete all department defined Computer Based Training courses within 90 days from the hire date achieving a passing score of at least 80%.

The incumbent is required to receive, review, sign, and return to their Collections Supervisor copies of the Attendance Policy, Vacation Policy, Dress Code, and Code of Ethics within the first 30 days of employment.

DISCLAIMERS AND WORK ENVIRONMENT

Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management.

The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects