Oreo Jobs in Michigan (NOW HIRING)

General Summary of Duties
Responsible for initiating collection activity in the control and collection of delinquent loan accounts, NSF checks, VISAs, overdrawn share accounts not handled by outside collection agencies, and other related activities to assist in the prevention of losses to Security Credit Union.
Essential Job Functions

• Maintain working knowledge of and aggressively promote credit union products/services at every opportunity, to include completing outbound calls, making referrals that result in new services to new/existing members.
• Perform duties necessary to order and maintain department office supplies and supplies in individual work area. Prepare workstation daily and keep workstation organized. Process mail distribution (incoming/outgoing).
• Train/mentor other credit union employees as directed. Maintain update of work status to supervisor as required.
• Perform operational duties and troubleshoot problems with department equipment. Report errors and abnormalities to supervisor immediately.
• Maintain functional knowledge of online systems and all software used in the department, including the process to follow if the system goes down.
• Prepare reports, file, send and/or receive faxes and emails, make photocopies/scans, and scan member and loan documents as required and assigned. Maintain current Excel reports.
• Perform all member service-related duties, including but not limited to; maintain working knowledge of all insurance products available to members, pulling and reviewing consumer credit bureau reports, process lien terminations, process file maintenance transactions, maintain working knowledge of laws and/or regulations, correction and/or reversal of loan payments, process member credit life and disability insurance cancellations, and maintenance of eOscar and eFunds data
• Maintain working knowledge of; lending policy, loan approval guidelines, and other related laws and/or regulations; NADA values/resources.
• Process the following: payments received through outside collection agencies, foreclosures, follow-up requests for information and/or assistance made by the outside collection agency, recover on overdrawn depository (share) accounts, chapter 13 bankruptcy payments, handle redemption requests, liquidation of collateral, 1099c Federal income tax forms, restitution payments, select bills for payment, charge off preparation, death claim follow-up, estate claims, and process/prepare letters of guarantee for insurance companies.
• Responsible for all aspects of repossession and sale: assign accounts for repossession, CPI Skip Claims, Repossession Claims, Prepare/Mail letters (Notice of Intent to Sell, Deficiency Balance), Set floors of collateral for sale, accept/counter bids, follow-up with auctions for sale proceeds, obtain tiles when needed.
• Follow through on vehicle abandonment orders.
• Perform research and error corrections on member accounts, maintain the required Loss Prevention logs, take, investigate and answer internal and external Loss Prevention questions.
• Investigate and recover on forgeries and fraud.
• File criminal complaints with law enforcement, retrieve records and photographic evidence for law enforcement or fraud investigations.
• Preparing accounts for attorneys to file civil suits for recovery and preparing select files for legal.
• Coding and tracking of active military accounts.
• Filing bond claims.
• Handle inquiries on titles and insurance problems.
• Prepare mortgage accounts for foreclosure by an attorney.
• Place insurance coverage on foreclosures, OREO property, or other assets.
• Represent the Credit Union as a witness in court.
• Recovering on returned checks, perform necessary duties to collect NSF checks not assigned to collection agency that were processed as loan payments.
• Coding accounts for bankruptcy, judgements, post charge-off or recovery payments from judgments, settlements, or promises to repay.
• Negotiate loan modifications or troubled debt re-writes for approval.
• Recommend opportunities for improvement with process or procedures
• Board Report preparation.
• Assists auditors, vendors, and examiners as required.
• Provide Budget (Debt) Counseling to members as needed.
• Perform skip tracing as necessary.
• Perform other job-related duties as assigned.

The list of essential job functions is not limited. It may be supplemented as necessary from time to time.
Workplace Expectations

• Ensure prompt and courteous service is provided to all internal and external members/customers.
• Conduct work in a safe and healthful manner.
• Maintain thorough knowledge and understanding of credit union policies and procedures that are necessary for performing your job.
• Perform as part of a team and assist other employees and other departments as needed.
• Place documents that need to be shredded in the proper area for shredding.
• Maintain knowledge of and follow the established process for key control, security, and the security of all codes and procedures related to office security. Open and close office by disarming and arming alarms, as established procedures require.
• Maintain total working knowledge of department. Complete necessary logs.
• Maintain thorough knowledge and understanding of credit union policies/procedures that are necessary for performing job duties, including but not limited to Negotiable Instrument Reference & Guidelines, NACHA, BSA, and OFAC.

Requirements
Standards
Perform all job tasks/functions as assigned and/or directed; according to policy, procedures and standards; use Service/Sales skills at all times; meet all cross-sell and productivity standards as set by management; and read/respond to all communications (voice mail/email/message board) communications in a timely fashion.
Core Competencies
Reasoning: apply rational method of problem solving to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Interpret a variety of instructions furnished in written, oral, blueprint, or schedule form. Weigh risk and reward in complex scenarios.
Math: add, subtract, multiply, and divide all units of measure. Perform the four operations with common and decimal fractions. Compute ratio, rate, and percent. Draw and interpret bar graphs. Perform arithmetic operations involving all American monetary units.
Language - read a variety of books and magazines. Write reports and correspondence with proper format, punctuation, spelling, and grammar, using all parts of speech.
Minimum Qualifications

• Education: A high school diploma or equivalent.
• Experience: One to three years of collections and/or lending experience.
• Other Requirements: Must have proficient Microsoft Office application skills with emphasis on Excel. An assessment test will be used to assess Excel skills and Collections knowledge. Successful completion of credit review.

Physical Demands
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• While performing the duties of this job, the employee is regularly required to sit, use hands, fingers, talk, or hear. The employee is frequently required to sit, stand, and reach with hands and arms. The employee may occasionally lift up to 20 lbs. and/or exert force to move up to 50 lbs.

Salary Description
$19.72 to start