POSITION PURPOSE

Follow the credit and collection policies and procedures of the Credit Union that best serve the organization and its members. Perform collection duties personally and/or through third parties. Work within strict compliance with State and Federal credit and collection rules and regulations in all collection practices.

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ESSENTIAL FUNCTIONS AND BASIC DUTIES

· Frequent phone calls. Excellent verbal communications and active listening. Ability to problem solve, emotional intelligence, mindfulness, understanding technology and handle members courteously with dignity and respect.

• Coordinate and communicate with others including personnel of service and system providers, credit card companies, credit

bureaus, insurance companies, collateral protection agencies, and registry offices as needed.

• Represent the credit union in court concerning legal processes connected with collection of negative share balance accounts and

other creditor/debtor situations. Attend hearings concerning negative share balance accounts and present testimony on behalf of

the credit union.

• Maintain files, records, and journals to provide a chronology of collection activity for delinquent account and provide reports of

collection results when requested.

· Follow all credit union policies and procedures.

• Investigate fraud cases, for possible legal action and collection of delinquent accounts for unpaid negotiable items.

· Perform any other duties as assigned by supervisor

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PERFORMANCE MEASUREMENTS

· The Member Resolution Specialist is expected to work within a collection program and processes that result in budgeted charge-off and delinquency ratios, as well as with limited errors

· 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/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

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QUALIFICATIONS

EDUCATION/CERTIFICATION:

· High school diploma or GED

REQUIRED KNOWLEDGE:

· Proficient in Microsoft Word and Excel

EXPERIENCE REQUIRED:

· 3 – 5 years related experience at a financial institution preferred. Additional education or hands on experience with collections or lending recommended

SKILLS/ABILITIES:

· Excellent written and verbal communication skills

· Excellent organizational, analytical, and problem-solving abilities

· Dedicated work ethic with personal and professional integrity

· Ability to undertake and complete multiple tasks, meeting deadlines

· Strong desire to improve the lives and financial wellbeing of our diverse membership

· Commitment to the credit union philosophy

· Ability to use the credit union's core processing system for input/output transactions. Such usage includes, but not limited to, retrieval of information, reconciling data, printing out individual statements of account, inputting data, updating information and general maintenance of the credit and collection financial and ancillary records.

· Ability to operate standard office machines such as a personal computer, optical image/scanner, photocopier, fax machine, word processor and such equipment normally found in a financial institution credit department.

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PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

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.

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.)

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WORKING CONDITIONS

NONE:

No hazardous or significantly unpleasant conditions (a typical office environment)

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MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

REASONING ABILITY:

· Sound judgement and problem-solving skills.

· Strong phone communication required.

· The ability and desire to assist our members in finding a way to meet their financial obligations without getting further behind

· Ability to solve practical problems and deal with a variety of situations where only limited standardization exists.

MATHEMATICS ABILITY:

· Ability to calculate figures and amounts such as payments due, and interest.

LANGUAGE ABILITY:

· Ability to read, analyze and interpret general business correspondence.

· Ability to compose reports, business correspondence and assist in updating procedure manuals.

· Ability to effectively present information and respond to questions from Management, team members, and individual members. Occasionally may need to make formal presentations on credit to groups outside of the credit union, such as meetings, trainings, schools, and debt counseling sessions.

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INTENT AND FUNCTION OF JOB DESCRIPTION

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 the Board of Directors as deemed appropriate.

In accordance with the Americans 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.

EEO STATEMENT:

MC Federal Credit Union is an equal opportunity employer. It is the policy of MC Federal Credit Union to afford equal employment opportunity and to recruit, select, hire, train, transfer, and promote individuals in all job titles regardless of race, color, religion, sex (including pregnancy, gender identity, and sexual orientation), national origin, age, disability, genetic information, and veteran status.

Job Type: Full-time

Pay: $14.00 - $17.00 per hour

Work setting:

• In-person

Application Question(s):

• On a scale of 1-10, how comfortable are you having phone conversations? (1 being the lowest, 10 being the highest)

Ability to Commute:

• Danville, PA 17821 (Required)

Ability to Relocate:

• Danville, PA 17821: Relocate before starting work (Required)

Work Location: In person