Collections Representative I

KCU • Bremerton, WA

15h • $28 - $31 • Hybrid

About The Position

Kitsap Credit Union is hiring a full-time hourly Collections Representative I to work hybrid out of our East Bremerton location. The Collections Representative I is responsible for identifying delinquent accounts and establishing workable means of communication with members to ensuring prompt repayment of loans to minimize losses.

Requirements

• High School Diploma or GED.
• Previous experience in collections or similar environment involving public contact via phone or call center environment.

Nice To Haves

• Previous collections experience.
• Previous experience diffusing difficult customer situations.
• Proficient in Microsoft Office applications and excellent telephone skills.
• Ability to prioritize responsibilities and handle multiple tasks.
• Ability to work independently with minimal supervision and be a team player.
• Ability to work effectively under pressure.
• Ability to work with individuals at all levels, inside and outside the credit union.
• Ability to exercise sound judgment and maintain confidentiality.
• Possess well-developed interpersonal skills essential for projecting a positive image of the credit union.
• Ability to make quality decisions in a timely manner.

Responsibilities

• Perform transactions and job duties consistently within standards and in accordance with the guidelines of NCUA laws and regulations and the Fair Debt Collection Act.
• Attend work related courses and seminars and pursue a program of self-development.
• Work within legal guidelines to protect the Credit Union and our Members.
• Ensure delinquent accounts become current by identifying problems and creating a resolution.
• Arrange and negotiate new payment schedules, modifications, extensions, or other workout solutions.
• Work independently and as a team member with ownership of collection queues.
• Handle a high volume of calls both inbound and outbound from members and branches.
• Maintain a high level of confidentiality within the accounts control function and administrative offices relative to any information received directly or indirectly at all times.
• Investigate and attempt to locate members that have skipped by contacting and speaking with the borrower's relatives, past employers, military agencies, Accurint software, credit reports, Allied Solutions, and other skip tracing tools.
• Provide status of delinquent account through effective communication, regular reporting, and accurate documentation of all collection efforts.
• Assist Kitsap Credit Union staff regarding bankruptcies, repossessions, delinquencies, Consumer Credit Counseling (CCCS) Programs, deceased members, legal issues, and other tasks as needed with a strong understanding of financial laws.
• Be able to initiate and collect all necessary data for legal suits pending legal action including but not limited to repossession replevin suits and SKIP claims.
• Diffuse high-tension situations confidently, effectively and professionally.
• Coordinate with all levels of staff.

Benefits

• Free onsite parking
• Annual time off and sick time accrued
• 11 Paid holidays
• 1 Personal day
• Medical, Dental, Vision, Short- and Long-term Disability, Life and AD&D Insurance
• Employee Assistance Program
• Choose from a PPO medical plan or a High Deductible with a Health Savings Account
• 3% KCU funded Safe Harbor Contribution to your 401K
• KCU will match up to 2% of your 401K contributions
• All 401K contributions are 100% vested
• Potential annual incentive in all roles within Kitsap Credit Union
• Tuition reimbursement
• 8 hours of paid volunteer time off
• Discounts on KCU's products and services
• Enjoy unlimited ORCA transit access through KCU for less than $45 a year—your cost as an employee

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED