Payment Recovery Representative I

If you would enjoy working in a dynamic environment and are looking for an opportunity to become part of a stellar team of professionals dedicated to service, we invite you to apply online today.

This position offers a flexible hybrid work arrangement, allowing employees to balance in-office collaboration with the benefits of remote work. We provide the necessary tools and technology to ensure seamless productivity, whether you're working from home or the office.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Contact delinquent accounts by phone, email, and mail; takes appropriate action to bring current and when necessary attempts to locate missing members utilizing skip tracing methods. Must comply with all applicable laws and regulations.
• Support and cultivate strong relationships through ongoing member contact, quality member service, and superior knowledge. Handle incoming calls from members, incoming mail/email, and correspondence received by Member Services. Work with members to present recommendations for complex Consumer/Credit Card collection solutions.
• Determine member’s ability to pay by obtaining necessary information and facilitate work-out strategies when possible.  
• Ensure member records are up-to-date and accurate.
• Demonstrated ability to achieve or exceed monthly goals in a fast-paced environment.
• Develop, apply, and evaluate regulatory policies and procedures for the department; maintain a thorough knowledge of policies and procedures and trends in the credit union industry, with particular attention to the Bank Secrecy Act and the Patriot Act. Advanced knowledge of federal and state consumer protection laws [Unfair, Deceptive, or Abusive Acts or Practices (UDAAP); Fair Debt Collection Practices Act (FDCPA); Fair Credit Reporting Act (FCRA); Service-members Civil Relief Act; etc.)
• Perform other duties as may be assigned.

EDUCATIONAL AND WORK EXPERIENCE REQUIREMENTS:

• Minimum 1 year of collection experience with measured success.
• Minimum of 2 years of Credit Union (or comparable financial institution) experience.
• High school diploma required.

OTHER JOB QUALIFICATIONS:

• Knowledge of laws/regulations, policies/procedures which affect job function.
• Effective analytical problem solving, organizational, and planning skills.
• Ability to set priorities, multi-task, and meet deadlines.
• Advanced skill navigating multiple screens and PC applications and adapting to new technologies.
• Excellent interpersonal communication skills as well as effective public speaking skills.
• Strong motivational and influencing skills with demonstrated knowledge and understanding of financial services-related products and overall financial services operations.  

PHYSICAL REQUIREMENTS:

To perform this job successfully, the employee must be able to perform each essential job duty satisfactorily. All employees must be able to communicate face to face or through technology with or without reasonable accommodation. Employee will be in an office environment (well-lighted, heated, and air-conditioned) typically stationed at a desk or table. Employee will be asked to sit and stand for various increments of time, and to lift/push up 10 lbs. Clerical office duties on various forms of technology are required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.

All positions that have lending responsibilities must comply with all requirements under the SAFE ACT, as well as the Credit Union’s policies and procedures related to the SAFE ACT. This includes an obligation on the employee’s part to ensure that NMLA registration pertaining to the SAFE ACT is kept current. The employee must notify the Credit Union within 30 days of any changes that need to be reflected on the NMLS registry.

Georgia’s Own Credit Union is an equal opportunity employer and will not discriminate against any employee or applicant on the basis of age, color, disability, gender, national origin, race, religion, sexual orientation, veteran status, or any classification protected by federal, state, or local law. Consistent with obligations under federal law, every company that is a federal contractor or subcontractor is committed to taking affirmative action to employ and advance women, minorities, disabled veterans, special disabled veterans, veterans of the Vietnam era, and other eligible veterans. 

We are an equal opportunity employer. Employment selection and related decisions are made without regard to sex, race, age, disability, religion, national origin, color or any other protected class.