Credit Counselor III
Company: BluPeak Credit Union
Location: San Diego
Posted on: October 23, 2024
Job Description:
Credit Counselor III
US-CA-San Diego
Job ID: 2024-1714
Type: Regular Full-Time
# of Openings: 1
Category: Financial Solutions
Corporate Office
Overview
The Credit Counselor III plays a critical role in the ongoing
counseling, coaching and collection of delinquent member's
accounts. They communicate empathetically to the member
and seek to develop long term solutions to resolve delinquent
accounts. Makes determinations as to when all collection efforts
have been exhausted and refers for legal action or repossession of
collateral, as warranted. May assist the AVP Financial Solutions &
Lending VP with daily departmental routines and corporate projects,
as assigned and provides leadership to Collection staff.
Responsibilities
- Contact members with past due loans including secured and
unsecured. Provide financial counseling to include but not limited
to, loss mitigation alternatives that will provide long term
solutions to the present default through formal repayment plans,
credit counseling, or loan restructures.
- Counsel members that are delinquent due to CPI (Collateral
Protection Insurance), make repayment agreements, as necessary.
Locate insurance already provided, determine when payments should
revert back to normal, catch and request corrections be
completed.
- Monitor own work list and ensures that appropriate Financial
Solutions efforts are done according to the Financial Solutions
Process Timeline for all secured and unsecured loans.
- Provide information to management on high risk events that may
have been disclosed during collection calls, where early
intervention may result in reduced losses for the credit union;
including sending HUD letters; Notice of Intent to Foreclose.
- Contact members on prior charge off list provided by management
in order to achieve more in house recovery.
- Contact members that have charge off accounts, and send
re-payment offer letters, follow up with phone calls. The goal is
to achieve recoveries and to prevent account from going to
collection agency. Assist with month end reports, where
appropriate. Assist and/or handle legal issues with regard to
delinquent loans.
- Provide prompt and courteous service to internal and external
members as stated in Financial Solutions' Service Standard
Promise.
- Back-up to payment processing desk - Post payments, reverse
payments, review checks for Loan Servicing, post repossession
proceeds.
- One on one training with all new hires. Point of contact for
new employees once released on own.
- Complete address and phone number changes on system.
- Skip trace on delinquent accounts; CBC; credit report pulling;
white pages; Facebook.
- Other duties as assigned. SUPERVISORY RESPONSIBILITIES
Depending on the Level of the Position; There are no supervisory
responsibilities associated with this position or may be
responsible for providing project leadership and support to 2-3
employees in the Financial Solutions department. Includes training,
planning, assigning and directing work projects; addressing
complaints and resolving problems, both internal and external, all
with interface with the AVP Financial Solutions.
Qualifications
EDUCATION and/or EXPERIENCE
- High school diploma or general education degree (GED); and four
to eight years experience is required. Experience in a credit union
or financial institution a plus.
- Must be able to cross train in all areas of Financial
Solutions.TECHNOLOGY PROFICIENCY
- To perform this job, the employee must possess applicable
technology skills and demonstrated expertise. Ability to use Word
for Windows, Excel, and other Microsoft Office applications, as
well as the ability to learn new applications quickly; requires
general knowledge of network and database use. Knowledge of Top
Notch Financial Solutions system is a plus. OTHER QUALIFICATIONS
- Supervisory experience preferred. Must be able to interface
with the all levels of Management in all departments and branches.
Bankruptcy, Repossesion and Real Estate experience is preferred.
Ability to speak effectively before groups of customers or
employees of organization. Bilingual is preferred: English and
Spanish.BluPeak Credit Union is an Equal Opportunity/Affirmative
Action employer. All qualified applicants will receive
consideration for employment without regard to race, color,
religion, sex including sexual orientation and gender identity,
national origin, disability, protected Veteran Status, or any other
characteristic protected by applicable federal, state, or local
law.Employment may be contingent upon BluPeak Credit Union's
receipt of an acceptable and job-related background check, drug
screen and credit check, as applicable and permissible by law.
BluPeak Credit Union is committed to working and providing
reasonable accommodation to applicants with physical, mental
disabilities and sincerely held religious beliefs. For more
information, contact Human Resources. PM17
Compensation details: 24-30 Hourly Wage
PI401bf359278b-37248-35860522
Keywords: BluPeak Credit Union, National City , Credit Counselor III, Other , San Diego, California
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