Collector I, II

To demonstrate CVCU Culture and Values in preserving the Credit Union's assets by performing collection activities associated with various delinquent accounts. Reviews delinquent accounts, determines probable reasons for account status, and contacts clients to resolve the delinquencies. Utilizes various techniques, as circumstances indicate, to promptly collect on delinquent accounts. Ensures the organization's professional image is maintained.

Essential Functions & Responsibilities:

Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

• Follow up on delinquent accounts by telephone, personal contact, and correspondence to secure a satisfactory resolution to the repayment problem. Discuss possible financial arrangements, inform clients of potential legal actions, and suggest financial counseling to arrive at suitable payment arrangements. Continue to collect until the account becomes a write-off, bankruptcy, or repossession account. Make early contact with clients to collect and keep them informed of account status.
• Utilize effective human relations skills and various forms of persuasion to present a positive company image in an already negative situation. Calm irate clients and answer questions and complaints relevant to department functions. Determine reasons for delinquencies and work toward permanent solutions. Minimize losses by early actions.
• Utilize further appropriate collection methods if initial attempts do not secure required payment.
• Recommend extensions and/or consolidations to loan officer for approval and posting.
• Refer accounts to Collections Support Administrator for repossession or bankruptcy actions.
• Recommend possible charge-offs.
• Perform collections efforts in accordance with Company policies and procedures and ensure they are legally compliant.

Preferred Skills/Experience:

What does it mean to work at Coosa Valley Credit Union?

At Coosa Valley, serving our members is not just a job; we have a much higher purpose.

At Coosa Valley Credit Union, "We Care" and "We Listen" are two core values that differentiate us from banks and other financial institutions. Here we still do business like neighbors helping neighbors, an old fashioned approach that combines modern technologies and the warm professional service members deserve. No matter the need or unusual circumstance, we still listen.

We use our Core Values as a guide and constant reminder that we can always improve our members’ lives. We don’t charge more so that we can increase a line on a graph and we don’t believe that revenue is most important. Our purpose is simple: to help people in our hometown live better financial lives.

“Helping People Live Better Financial Lives” is the purpose that unites all of us at CVCU. We want to create value – for our members, for our employees, and for the communities in which we operate. CVCU’s employees will always put their experience, pride and enthusiasm into making this happen.