Waterford Twp, MI, USA | Hourly | Full Time Our Purpose At Vibe, we are driven by our mission to elevate community and create opportunity. We believe in fostering an environment of inclusivity where every team member has the chance to grow professionally. Guided by our core values - be inclusive, educate, embrace change, and seek opportunities - we are dedicated to making a positive impact in the lives of our members and communities. As we continue to grow and expand our team, we are seeking passionate individuals who share our vision and are eager to join us in our journey. If you are someone who is passionate about making a difference and is committed to creating a brighter future for our communities, we invite you to explore this exciting opportunity at Vibe! Position Purpose This position is responsible for assisting to control delinquency and loan loss by collecting past due accounts and other debts. The role of the collector is to resolve the account and never add to the loss. Essential Duties + Control delinquency and loan losses, while maintaining good member + Work within the guidelines and standards set by State & Federal regulations and Credit Union policies. + Responsible for communicating effectively through various channels, such as phone, email, mail and in person to understand the reason for delinquency, resolve complicated collection issues and negotiate and/or establish repayment. M ake payment arrangements on past due loans and negative account + Maintain detailed records of all collection attempts, member interactions and payment arrangements in collection system + Ensures all collection activities adhere to state and federal laws regarding debt collection practices. + Provides responses for recommendations of repossession, foreclosure or legal action to the Collections Manager. + + Proactively work negative savings and checking accounts + Serve as a mentor and knowledge resource to other Collectors; answer questions, handle escalated calls and assist in the continued training and education of team. + Trains new hires and identifies, supports and coordinates training opportunities for collection teams. + Serves as a role model, coach and mentor to continuously motivate team, as well as members to achieve desired outcomes. + Supports process improvements, projects, special programs and strategy initiatives. + Assist collection management to maintain roadmaps, policies and procedures as well as making recommendations to adjust as needed. + Monitor Collector activity through account review and scorecards; present findings on monthly basis to collectors and management. + Assist in overseeing Asset Recovery area; bankruptcies, legal and administrative processing. + Review and present mortgage and commercial related modifications. + Responsible for collecting Commercial Lending products, including monitoring and contacting commercial clients on past due loans while working with Commercial Lending to maintain relationships. + Complete annual FDCPA training + FICEP Credit Counseling Certification + Understands regulations and internal policies related to the Bank Secrecy Act (BSA) and + Responsible for communicating, interacting and partnering with law enforcement agencies, judicial departments, attorneys, peer collectors, repossession agencies, auctions, vendors and car dealers to minimum outstanding accounts. + Handle and use creativity to resolve collection issues, including Collateral Protection Insurance claims. + Submit appropriate ancillary product claims and reimbursements, including but not limited to dealership products, CUNA debt protection claims, warranty refunds, GAP and GAP Plus + Process member requests for an extension or modification of their loan agreement and submit to the Collection Manager for approval completes annual training. + Perform other duties as assigned. Education/Experience + High School Graduate or equivalent + 5+ years of Collection experience + Knowledge of collections, bankruptcies and legal process Skills/Abilities + Excellent and effective communication and people skills + Excellent sales skills + Ability to be an effective team player + Display friendly and positive attitude + Dependable, professional and self- motivated + Ability to perform a variety of tasks and the flexibility to change. Physical Requirements These physical demands are representative of the physical requirements necessary for an employee to successfully perform the essential functions of the position. Reasonable accommodations can be made to enable people with disabilities to perform the described essential functions of the position. While performing the responsibilities of the job, the employee is required to hear, see, talk, stand, walk, stoop, kneel, lift, push, pull, and grasp.