Collection and Member Service Manager - Relocation provided!

Location: Sacramento
Posted on: November 20, 2024

Job Description:

DESCRIPTION:

This position has the overall responsibility for the management, oversight and control of Special Assets, delinquent loans, delinquent Visa accounts, and negative share accounts to ensure losses are effectively minimized.

DUTIES AND RESPONSIBILITIES:

Plans, organizes, directs, and oversees the activities and staff in the Member Solutions Department.

Responsible for delinquency management, negative balances, fraud, and collection follow-up programs for effective account control.

Administers the repossession of collateral securing delinquent loans and provides for disposition of repossessed property as provided by law.

Oversees foreclosure proceedings on delinquent loans secured by first or second trust deeds.

Oversees small claims proceedings on delinquent loans as appropriate.

Prepare and present requests for charge-off of these loans determined to be un-collectable to Executive Vice President.

Assigns charge-off accounts to attorney or collection agency for appropriate action.

Oversees charged-off accounts, reviewing for further recovery.

Maintains ledger of recovered funds collected on charged-off accounts, insuring proper crediting to each account.

Reviews monthly delinquency, recoveries, and potential loss reports for accuracy.

Ensures delinquency policy and procedures are adhered to as outlined in the credit union policy and procedure manual.

Represents the credit union, when possible, regarding legal matters pertaining to member accounts, subpoenas, and court suits.

Ensure Executive Vice President is immediately informed in writing of all delinquent loans made outside of credit union policy, loans where it appears poor credit decisions were made and any analysis information where trends in charge off accounts might dictate changes or improvement in lending guidelines.

Exercise awareness in regards to suspicious activity, money laundering or fraudulent behavior as it relates to cash transactions and overall transaction activity and document any such behavior so SAR filings can be considered.

Ensure compliance with all safety, security and compliance programs including but not limited to BSA, AML, OFAC, Branch Security and Safety.

Perform all other related duties as assigned.

Supervisory Responsibilities:

Directly supervises 8-12 employees in the Member Solutions Department. Manages and carries out supervisory responsibilities in accordance with the Credit Union?s policies, procedures and applicable laws and regulations. Responsibilities include interviewing, hiring, and training employees; planning, assigning, directing and evaluating work; conducting performance appraisals; rewarding and disciplining employees; addressing complaints and resolving problems. Shares responsibility for excellence in member service through staffing, training, coaching, and leading by example.

QUALIFICATIONS AND REQUIREMENTS:

Bachelor?s degree (B.A.) from four-year college or university; or four to five years? related experience and/or training; or equivalent combination of education, experience and training.

Must have at least three years management experience.

Experience in financial institution preferred.

Knowledge of financial services preferred.

Detailed knowledge of collection activities, skip tracing, repossession procedures, truth-in-lending requirements, bankruptcy, proceedings and small claims activities as would normally be obtaine We are an equal employment opportunity employer and will consider all qualified candidates without regard to disability or protected veteran status.

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