Credit Reporting & Collections Specialist 1

The schedule for this position is
 

Monday - Friday: 9:00 a.m. - 5:30 p.m. 

Role

Responsible for researching and resolving consumer credit reporting disputes, supporting the accuracy and integrity of credit reporting information, and preserving the Credit Union's assets through collection activities on delinquent accounts. Applies advanced experience, knowledge, and judgment to analyze account records and supporting documentation, evaluate credit reporting discrepancies, determine appropriate corrections or responses, and complete dispute activities within established requirements and timeframes. Contacts members regarding delinquent accounts and takes appropriate action to bring accounts current or support the recovery of Credit Union assets.

Essential Functions & Responsibilities

• Exemplifies the core values of CAMPUS while supporting our strategic priorities for members, employees, and community. Maintains the highest standard of professionalism, integrity, and confidentiality
• Reviews and processes consumer credit reporting disputes received from credit reporting agencies, consumers, internal departments, and other authorized sources, completing appropriate corrections, updates, deletions, verifications, and responses in accordance with established requirements and timeframes
• Researches disputed credit information and discrepancies by reviewing account records, balances, payment history, transaction activity, account status, dates, identifying information, ownership, correspondence, and supporting documentation to determine the accuracy and completeness of reported information
• Identifies credit reporting discrepancies or issues requiring additional research and escalates complex or unusual matters to appropriate management or departments
• Assists in identifying recurring credit reporting issues and potential causes, identifies opportunities for improvement, and supports updates to related procedures, workflows, training materials, and resources
• Contacts members regarding delinquent accounts and takes appropriate action to bring accounts current or support the collection and recovery of Credit Union assets, maintaining accurate records of contact attempts, member interactions, and collection or recovery activity
• Analyzes the financial situation of delinquent borrowers and makes recommendations to the immediate supervisor when other arrangements to bring the loan current are unsuccessful
• Maintains current knowledge of applicable credit reporting and collection requirements, policies, and procedures and protects confidential consumer and financial information in accordance with established requirements
• Provides friendly, professional, and accurate service and support to members and employees

Qualifications

Education

• High School Diploma or GED

Experience

• 0-2 years of similar or related experience
• Experience in credit reporting, collections, banking/financial services, or a related field preferred

Other Skills

• Attention to Detail
• Bankruptcy Laws and Regulations
• Collaboration
• Collection Management
• Communication
• Confidentiality and Discretion
• Judgment and Decision Making
• Microsoft Office Proficiency
• Negotiating
• Problem Solving
• Regulatory Compliance
• Research Management
• Time Management

Full-Time Employee Benefits Package

Full-time employees are eligible for traditional benefits such as Health Insurance (medical, vision, dental), Life Insurance, Paid Time Off, Paid Holidays, Defined Benefit Pension plan, 401(k) with up to a 5% company match, and Short & Long Term Disability Insurance. CAMPUS USA also offers other benefits such as Tuition Reimbursement, Paid Parental Leave, and Employee Wellness Reimbursement. CAMPUS USA Credit Union strongly encourages health, well-being, and work-rest balance. We do everything we can to promote healthy, happy employees!

EOE/AA including Veterans and Disabled