ELGA Credit Union
Credit Solution Representative I
Reports To: Credit Solutions Manager
Classification: Non-Exempt
Supervises Direct: 0
Supervises Indirect: 0
Role: To preserve the credit union's assets by controlling delinquent accounts, collecting delinquent loan payments and/or recovering collateral; training and assisting other Collectors; disposing of repossessed collateral. This position will allow for Hybrid schedule, only after training is complete.
Essential Functions & Responsibilities:

60% - Contacts delinquent accounts by phone and mail; meets with members; and takes appropriate action to bring current.
20% - Analyzes financial situation of delinquent borrowers; works with members to come up with solutions to bring current; and takes action to repossess collateral when arrangements to bring the loan current are unsuccessful.
10% - Prepares daily, weekly, and/or monthly reports on collection activity for management.
5% - Informs management of trends in loan underwriting contributing to delinquent/charged-off loans.
5% - Testifies at legal proceedings as required.
Performance Measurements:
1. To take full responsibility for your own success with no excuses.
2. To set and achieve daily goals to maximize your collection efforts and to maintain accurate and complete records of all activity in collection software program.
3. To maximize the collection and/or recovery of credit union assets from delinquent and charged-off accounts by learning all that you can about each member under your care and building a relationship with them that makes them want to pay us back keeping your queue under 75 accounts over 60 days past due and less than 150 between 30 and 60 days past due.
4. To insure that all collection activity is within the law and follows credit union policy and to try every avenue to convince the member to pay us on a consistent basis rather than repossessing the auto.
5. To keep management informed of operational issues affecting the credit union's collection activities by actively participating in discussions of ideas to minimize delinquency, repossessions and charge offs.
6. To provide informed, friendly, professional, personal service to all members and associates by making eye contact and using the member's name, smiling while listening, responding as though they are the only one in your world at that time, and working with members to find the correct solutions to the problem causing them to become past due.
7. To teach the other associates in your department what you know works well to find members though internet searches and calling references and relations.
8. To meet established expectations of ELGA's Core Factors including but not limited to Accountability, Attitude, Communication, Competence, Continuous Improvement & Innovation and Relationship Building.
Knowledge and Skills:
Experience: One month to twelve months of similar or related experience.
Education: A high school education or GED.
Interpersonal Skills: 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.
Other Skills: Must have good communication skills. Microsoft Word and Excel proficient.
This Job Description is not a complete statement of all duties and responsibilities comprising the position