Member Solutions Representative at Harborstone Credit Union

Lakewood, Washington, United States -

Full Time

Start Date

Immediate

Expiry Date

26 Jan, 26

Salary

33.33

Posted On

28 Oct, 25

Experience

0 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Procedures, Collections Practices, Member Service, Payment Arrangements, Documentation, Legal Compliance, Communication Skills, Problem Solving, Trust Building, Financial Products Knowledge, Computer Skills, Regulatory Knowledge, Analytical Skills, Negotiation Skills, Time Management, Team Collaboration

Industry

Financial Services

Description

Overview Monitors member credit accounts for compliance with the credit agreement. Effectively works collection queue by contacting and following up with delinquent accounts to assure an appropriate level of delinquency and charge-off is maintained for the credit portfolio. Researches and addresses complex and non-routine collection and legal matters. Assists with credit union owned real estate and small business loans as needed. Upholds legal, regulatory and compliance requirements unique to the role, in addition to Bank Secrecy Act, Anti-Money Laundering, OFAC, and Information Security policies and procedures. Completes annually required compliance related courses as established by Harborstone Credit Union policies and/or practices. Completes annually required Product and Process Knowledge competency testing, in addition to job related courses as established by Harborstone Credit Union policies and/or practices. Effectively builds trust with members and internal staff by embodying and demonstrating the Core Values of the organization. Consistently advocates for Harborstone's members, offering opportunities for financial equity and prosperity and the tools necessary to help them thrive. Demonstrates value and difference by expertly informing our communities of effective financial products, services, and solutions to help them attain their full potential. Compensation: Minimum $23.33/hour Maximum $33.33/hour Applicant with a desired mix of knowledge, skills, and abilities could anticipate $24.99 - $26.66 Responsibilities • Proactively engages with members by phone and e-mail, driving collection efforts on past due loans and providing exceptional member service. • Obtains suitable payment arrangements for past due loans and considers solutions to short-term and long-term member hardships. • Documents all conversations and written correspondence within our collections system. • Refers accounts for further action review (repossession, charge off, etc.) when necessary. • Meets or exceeds metric goals set forth for accounts worked average, promises to pay kept, call monitoring average, and department IM response rate. Qualifications • Legal aspects of credit and collections procedures and practices. • Computer based information systems and modern office methods and procedures • Bondable.

Responsibilities

The Member Solutions Representative monitors member credit accounts for compliance and engages with members to drive collection efforts on past due loans. They also research complex collection matters and assist with credit union owned real estate and small business loans as needed.