Remote Credit Risk Review Officer Jobs in California

Hourly Range
Collections Officer II: $22.36 - $27.93
Senior Collections Officer: $25.43 - $31.78
Exact compensation may vary based on skill and experience.

THIS REQUIRES A LOCAL CANDIDATE - HYBRID

COLLECTIONS OFFICER II

POSITION PURPOSE
Responsible for contacting assigned members who are past due or over limit on their loans to make satisfactory payment arrangements. Work with members to achieve credit-worthy status by offering appropriate workout solutions to fit members' specific needs. Perform skip-tracing duties on assigned accounts. Recommend and prepare accounts for repossession and legal action.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

• Maintain a thorough understanding of the Fair Debt Collection Practices Act, as well as state and federal regulations pertaining to collections.
• Contact assigned past-due or over-limit accounts to set up adequate payment arrangements.
• Recommend and prepare accounts for repossession and legal action and submit to Senior Collections Officer or WTL for approval.
• Recommend accounts for cancellation of lines of credit and credit union services to Senior Collections Officer or WTL.
• Discuss reasons for delinquency with members to determine if there is a viable solution and recommend appropriate workout solutions.
• Meet assigned goals over a twelve-month period.
• Perform skip-tracing duties.
• Review accounts to determine that delinquency was not caused by Credit Union error.
• Verify that member contact information is accurate and reason for delinquency has been updated.
• Maintain knowledge of rules that apply to each collateral code.
• Prepare and mail late notice, co-maker, and share loan letters.
• Other duties, as assigned

QUALIFICATIONS

Education/Certification:
High school diploma or general education degree (GED); or one to three years of related experience and/or training; or an equivalent combination of education and experience.

Experience Required:
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.
Skills/Abilities:

• Ability to demonstrate professional communication skills.
• Ability to speak clearly and forcefully.
• Ability to work well individually and in a team setting.
• Thorough understanding of consumer financial services and collecting bad debt.
• Ability to use good business judgment.
• Ability to resolve most member complaints prior to escalation.
• Ability to use a personal computer, with emphasis on Microsoft Word, 10key, adding machine, and other related equipment.
• Thorough understanding of Temenos, Accurint, DNA, and any other applicable SAFE Credit Union programs.
• Good understanding of qualifications for SAFE's workout programs.

SENIOR COLLECTIONS OFFICER

POSITION PURPOSE
Responsible for contacting assigned members who are past due or over limit to make satisfactory payment arrangements. Work with members to achieve credit-worthy status by offering appropriate workout solutions. Assign accounts for repossession and legal action. Assist in training new and existing Collections staff. Ensure SAFE is in compliance with Fair Debt Collection Practices and all state and federal regulations pertaining to collections.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

• Maintain expert knowledge of Fair Debt Collection and all applicable state and federal guidelines pertaining to collections, keeping track of legislation changes.
• Contact and collect on assigned past due and over limit accounts to make adequate payment arrangements.
• Resolve member issues related to collections.
• Assign and approve accounts for repossession and legal action.
• Assign and approve accounts for cancellation of credit limit and Credit Union services.
• Meet assigned goals over a twelve-month period.
• Assist in the maintenance of the online collection system.
• Discuss reasons for delinquency with members to determine viable workout solutions.
• Provide training to new and existing Collections staff.
• Recommend, prepare, and assign loans for charge-off.
• Reconcile appropriate general ledger accounts.
• Prepare assigned collection reports.
• Prepare and mail late notices, co-maker, and share loan letters.
• Assist in weekly CPI reconciliation.
• Ability to resolve member complaints prior to escalation.
• Perform other duties, as assigned.

QUALIFICATIONS

Education/Certification:
Associate's degree or equivalent from a two-year college or technical school; or Three to five years of related experience and/or training; or an equivalent combination of education and experience.

Experience Required:
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.
Skills/Abilities:

• Demonstrated skills in planning, organizing, and controlling work.
• Good public relations and leadership skills.
• High level of dependability, arriving within the appropriate timeframe as scheduled.
• Good business judgment.
• Ability to speak clearly and forcefully.
• Good writing skills.
• Good team player.
• Good understanding of consumer financial services and collecting bad debt.
• Ability to use a personal computer, with emphasis on Spectrum, Microsoft Word and Excel, 10-key adding machine, and other related equipment.
• Thorough understanding of Temenos, Accurint, and DNA and any other applicable SAFE Credit Union programs.

WORK ENVIRONMENT/PHYSICAL DEMANDS SUMMARY

LANGUAGE SKILLS

• Excellent communication skills (verbal, written, listening skills, and empathy).
• Expert ability to build relationships with other leaders, business partners, and stakeholders.
• Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals.
• Ability to write routine reports and correspondence.
• Ability to speak effectively before groups of customers or employees of organization.

MATHEMATICAL SKILLS AND REASONING ABILITY

• Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.
• Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.
• Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.
• Ability to deal with problems involving several concrete variables in standardized situations.

PHYSICAL DEMANDS AND WORK ENVIRONMENT

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.

• While performing the duties of this job, the employee is regularly required to sit and talk or hear, and use hands to finger, handle, or feel objects, tools, or controls.
• The employee is occasionally required to stand; walk; reach with hands and arms; and stoop, kneel, crouch, or crawl.
• The employee must occasionally lift and/or move up to 10 pounds.
• Specific vision abilities required by this job include close vision.
• The noise level in the work environment is usually moderate.

INTENT AND FUNCTION OF JOB DESCRIPTIONS

This is not necessarily an all-inclusive list of job-related responsibilities, duties, skills, efforts, requirements or working conditions. 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. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

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.