Financial Restoration Specialist at Adventure Credit Union – Lansing, Michigan

Adventure Credit Union has been providing financial services to their members for over 80 years and are continuing to grow to meet their members changing needs. As one of the Best & Brightest Companies To Work For In The Nation, we strive to recruit and retain ambitious and talented individuals by continuous development, support, and appreciation. We currently are looking to add a full time Financial Restoration Specialist to the Adventure Team!

The primary purpose of this position is to collect loans and VISA accounts that are past due. Financial Restoration Specialists work with members to resolve delinquency and prevent losses by developing payment action plans. Positively supports Adventure Credit Union’s brand and promotes a service culture consistent with the credit unions’ mission, vision, core beliefs and goal of being a Trusted Financial Guide.

Responsibilities include, but not limited to:

· Reviews past due loans assigned in the work queues for repayment efforts.

· Initiates contact by all available communication channels at the counselor’s disposal.

· Responds to inquiries regarding payment notices, delinquent loans or accounts, Collateral Protection Insurance issues.

· Informs members of past due and current amounts owed on delinquent loans and visa accounts, finds out the reason for the past due payment(s), and works to create a reasonable payment arrangement to bring the loan current.

· Verifies all member information is accurate and current. Processes updates if we have outdated or incorrect information.

· Identifies issues attributing to account delinquency and discusses the situation with past due members.

· Identifies queues for members in difficult financial situations to be able to suggest and process hardship extensions or loan work out options as appropriate.

· Process phone payments on past due member loans.

· Provides timely follow-up on payment arrangements.

· Locates members using credit bureau information, skip tracing programs, and references.

· Collaborates and communicates with other credit union departments to effectively resolve member’s past due obligation(s).

· Notes all communication and work done on an account in the collections system.

· Attend department and corporate meetings and trainings.

· All other responsibilities as assigned by Management.

Job Requirements

· A High School Diploma or equivalent.

· One (1) to Three (3) years of experience in collections preferably in a financial industry.

· Customer Service experience.

· Proven ability to collect accounts and maintain acceptable levels of delinquency.

· Possesses a positive and professional attitude; portrays a flexible and courteous personality through all channels of communication when interacting with co-workers and members.

· Clearly, effectively and professionally communicate with coworkers, members, vendors and business partners, both verbally and in writing.

· Ability to be bonded.

· Must have a valid driver’s license.

· Ability to travel to different locations in the Grand Rapids and Lansing regions.

· Customer service and sales oriented personality with strong commitment to excellence.

· Maintain confidentiality.

· Possess good time management and organizational skills, and the flexibility and determination to meet deadlines, goals and a wide variety of duties each day.

· Ability to maintain a professional image at all times in appearance, attitude, communication and work space.