Texans Credit Union is looking for people who love helping others and have a true passion for providing out-of-this-world service. The passion and dedication we have for our members is as big as our pride for Texas! Not only does the work we do every day impact our members’ lives, we also get to work with really talented and fun people. Our culture rewards incredible member service, innovative thinking, and hard work. If you are looking for a place to grow while doing work that means something, check us out.

We here at Texans are seeking a Senior Collector that is collaborative and meticulous. This Senior Collector will be responsible for collecting delinquencies while at the same time reinforcing Texans Credit Union’s values and mission of member advocacy.

Position Purpose and Objectives

The duties of a Collector include collection calls and/or correspondence in a fast paced goal oriented collections department. Objective is to reduce delinquent loans and reduce credit union losses. Provide customer service regarding collection issues, process customer refunds, process and review account adjustments, resolve client discrepancies and short payments. Make recommendations regarding repossession, foreclosure, and legal action. Responsible for monitoring and maintaining a group of assigned accounts.  

Major Duties and Essential Functions

· Manage a portfolio of delinquent accounts that are 45 days delinquent and higher stage delinquency.

· Coordinate coverage of accounts with Collector in a team-based setting  

· Collect and resolve problems on delinquent accounts by contacting members by phone, mail, email, and text. 

· Maintain delinquency ratio and net charge off ratio determined by management.

· Meet or exceed team-based and individual collection goals. 

· Communicate with other departments such as Lending, Card Services, Member Connect, Fraud, Member Connect Support, and the branches. 

· Correct loan errors and demographic errors on accounts, 

· Send compliance letters, place holds on accounts and services. 

· Resolve single interest insurance problems. 

· Assist members by answering questions on other credit union services.

· All other duties as assigned or required. 

Positions directly supervised: None

  Specific knowledge, skills, and abilities required for this position: 

· Must be able to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. 

· Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form. 

· Self-motivated, detailed and thorough work habits, people oriented; organized;

· Reliable; able to work independently and as a team member; 

· Effective oral and written communication skills; ability to handle stress; 

· PC knowledge and experience. 

· One to two years of recent debt collection experience preferred.

· Must be able to understand internal policies and procedures and correctly apply them in normal and unusual circumstances;

· Knowledge and ability to operate on-line collection system and Microsoft Office. 

· Knowledge of billing and collections procedures

· Strong attention to detail, goal oriented

· Commitment to excellent member service

Education:  Equivalent to a high school education.

Preferred Experience:

· Previous credit union experience in collections

· One to two years of recent debt collection experience preferred.