We are excited to invite passionate individuals to join our team, where you will embark on a rewarding career journey filled with growth, support, and the opportunity to make a meaningful impact on our members and the community we serve. Our core values—authenticity, boldness, collaboration, dignity, and empathy—guide everything we do and foster an inclusive culture that prioritizes teamwork and innovation.

Applicants are encouraged to apply by February 5, 2025

Location:

Remote

Status:

40 hours a week

Pay Range:

The full hourly pay range is $19.73 - $29.59.
We provide an additional $2.00 per hour bilingual differential for those employees who can support our members' financial needs effectively in a second language; subject to verification of strong grasp of financial terms utilizing language skillset.

Compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer of employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role.

Job Overview:

Performs all duties related to protecting and preserving credit union assets and relationships by establishing payment plans, collecting loan payments, recovering collateral, and recommending accounts for charge off.

What you’ll do:

Manages a high volume of outbound and incoming member calls regarding delinquent and overdrawn accounts. Makes payment arrangements within policy and procedure guidelines.
Contacts members with past due accounts, loans, and Visa's via phone, email and mail to discuss outstanding balances and payments, sets up repayment schedules, and obtain payment from members.
Utilizes knowledge of Bankruptcy, collateral protection insurance (CPI), credit reporting, GAP, mechanical breakdown insurance (MBI), debt protection, repossessions, account/loan maintenance, deceased member accounts, straw loans, and automated clearing house (ACH) setup to work with members effectively.
Completes complex tasks associated with the collection and closure of delinquent accounts, reviews and prepares negative shares report for charge-off. Follows-up on recovery and continued collection efforts of charged off accounts by phone and mail. Reviews and unlocks dormant accounts as needed.
Manages a queue of delinquent accounts and makes recommendations of accounts for repossession or for charge off.
Prepares files for recovery of collateral and submits files to management for voluntary or involuntary repossession approval.
Provides guidance to teammates and branch staff as needed. Assists with training new department staff.
Waives fees on accounts within authorization level.
Reviews internal processes and provides recommendations for improvements to increase efficiencies within the department to better serve members and the credit union.
All other duties as assigned.

Qualifications:

High school diploma (GED equivalent).
Minimum one (1) year experience in customer service or collection experience required.

What you’ll bring:

Knowledge of federal, state and local laws, statutes, regulations codes and standards related to the area of responsibility.
Knowledge of functional relationships between branches and the loan department.
Knowledge of legal proceedings applicable to collection, repossession, foreclosure, liens, and bankruptcy.
Knowledge of the Symitar and Temenos systems are preferred.
Actively learn by understanding the implications of new and existing information for current and future problem solving and decision-making.
Establish and maintain effective working relationships with area Vice Presidents, Directors, Branch Managers, and employees.
Work with computer-based collection-tracking system.
Analyze and evaluate situations that affect the loan assets of the credit union.
Work extended hours as required or requested by management to complete assigned projects, maintain appropriate staffing levels to provide service levels for member facing jobs or to ensure safety requirements are met.

Total Rewards:

This position is eligible for Full-Time Regular benefits. Employees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage. Includes an option for Medical, Dental, and Vision insurance to be paid at a 100% by company for the employee only coverage. We also offer Health Care FSA (HCFSA), Health Savings Account (HSA) with employer contributions, and Dependent Care FSA (DCFSA). Employees also have access to Life and AD&D insurance. Employees are able to enroll in our 401k plan. Full-Time Regular employees accrue 8 hours of vacation and 8 hours of sick leave, on a monthly basis. Full-Time Regular hired employees also receive 11 paid holidays throughout the calendar year, 1 floating holiday, 16 hours of self-care time, and 16 hours of volunteer time (may be prorated based on hire date in the initial calendar year).

All benefits except 401k start the first of the month after 30 days of employment. Employees become eligible to contribute to 401k on the first of the month following 60 days of employment.

TwinStar Credit Union is an Affirmative Action and Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability. Equal Employment Opportunity Posters

If you’d like to view a copy of the company’s affirmative action plan or policy statement, please email Careers@NWCU.com. If you have a disability and you believe you need a reasonable accommodation in order to search for a job opening or to submit an online application, please e-mail Careers@NWCU.com. This email is created exclusively to assist disabled job seekers whose disability prevents them from being able to apply online. Only messages left for this purpose will be returned. Messages left for other purposes, such as following up on an application or technical issues not related to a disability, will not receive a response.

Equal Opportunity Employer Veterans/Disabled

Equal Opportunity is the Law Posting

Pay Transparency Nondiscrimination Posting

When you apply to a job on this site, the personal data contained in your application will be collected by TwinStar Credit Union. Your personal data will be processed for the purposes of managing the Credit Union’s recruitment related activities, which include setting up and conducting interviews and tests for applicants, evaluating and assessing the results thereto, and as is otherwise needed in the recruitment and hiring processes. Such processing is legally permissible under state and federal law. Your personal data will be shared with Greenhouse Software, Inc., a cloud services provider located in the United States of America and engaged by the Credit Union to help manage its recruitment and hiring process. Your personal data will be retained by the Credit Union as long as the Credit Union determines it is necessary to evaluate your application for employment and as required under applicable state and federal law. Greenhouse is under contractual obligation to keep such information confidential, and the Credit Union’s privacy practices comply with all applicable state and federal laws.

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