Risk Mitigation Specialist - Collector Aventa Credit Union 4 reviews - Colorado Springs, CO 80903 Full-time, Contract Summary: Responsible for the control of delinquent loan accounts and pending late payment reminder up to four months past due. Makes follow-up telephone calls on delinquent loan accounts and maintains accurate records on delinquent loan accounts. Professionally skip traces all delinquent members that cannot be located. Additional responsibilities include performing occasional off-hour work as requested. Essential Duties and Responsibilitiesinclude but not limited to the following. Other duties may be assigned. Delinquency/Collections * Delinquent Loan Files 0-19, 20-29, 30-59, Over 59 dpd. * Outbound/Inbound calls with members on Delinquent Loans and Negative balance accounts. * Taking Pay by Phone payments over the phone. * Send late notices & RTC. * Skip tracing as necessary: Run TLO reports / review CBR reports. * Inputting Pay by Phones into corporate central system and make sure amounts balance when needed. * Verify on following day that all Pay by Phones have posted correctly. * Work with members on payment arrangements. * Run credit bureaus as needed. * Direct members to the appropriate department for due date changes, extensions, etc. * Notify appropriate department if needed regarding 1st payment defaults, posting errors, due date issues, any issues on loans. * Maintain Back end File/Calls when Risk Mitigation Manager is absent (Run daily numbers). Bankruptcy * Notate Bankruptcy information in I-power & Elements. * Change mail code for BK. * Code loans as petitioned for BK 7 or BK 13 under credit bureau option in I-power. * Email Contact Center (Neil) to turn off e-statements. * Update Bankruptcy Excel report. * Complete Proof of Claims forms and mail to Bankruptcy Courts with the following: * Title (if Auto Loan) * Contract/Note * Payment History * NADA Values * Send Bankruptcy notice and Claim form with new NADA Value to Scanning. State National: * Daily refunds/claims report and post to accounts on I-power. * Locate missing VIN#s if State National is in need of them. * Process of CPI placements and generate filings on State National website (every Wednesdays) Garnishments/Levys: * Process all in coming Bank Levys and Child Support. * Check I-power for any and all accounts member is associated with. * Verify if Retirement deposits are in the accounts. * Must leave two months worth of retirement deposits in the account - any amounts over can be garnished. * EXCEPTION is IRS LEVY?all funds subject to Levy. * Freeze any available funds. * Release funds to Court/IRS/Plaintiff once Order is received. * If a release is received to put the funds back in to their account from the Courts or IRS, put funds back into the accounts money was taken from. Refund our fee to the member as well. Charge off Accounts * Place message on accounts in I-power * Change mail code & lock accounts (91=charge off account/no trans.) * Accounts will be approved for Charge offs at the monthly Board Meeting. * Will receive approved/signed Charge off report (3rd week of each month) * Take Charge Offs * Finish the maintenance on the loan in I-power. * Complete the Excel Charge Off report and forward a copy to Accounting * Notate which accounts were charged off due to Bankruptcy (will need this information for the call report). Reports * Phone Pay Tracking report-Complete Excel PBP report with number of phone pays- how many w/fee & how many without. * Quarterly Call Report. * Bankruptcy Report -Monthly/Yearly Tracking. * Loans In Liquidation Report : (due by 5th of each month) * Repossession Log * Advantage Pay Log * Service Contract Log * GAP Refund Log Repossessions & Re-Marketing * Initiate Repossessions. * Daily Repossession log update. (in & out) * Send 10 day notice when vehicle is repossessed. * Update Credit Reports to reflect Repossession. * Enter Repo vehicle in to Auto IMS/GE Remarketing system for transport to auction for sale. * Request titles from records dept. and send titles to auction. * Track sale dates and sale status to make sure vehicle sells by month end (if applicable). * Send residual balance notice to member after sell of collateral. * Update State National via portal to stop tracking insurance. * Determine if CPI claim should be filed/refunded through State National. * Send request to dealership for cancellation of service contracts and/or gap insurance. * Advantage Pay/Negative Accounts * Make outbound calls. * Send letters on accounts that are overdrawn * Shutdown accounts that have been overdrawn from more than 45 days - determine what General Ledger the money needs to come from (Adv pay GL or Fee GL). * Advantage pay log * Complete spreadsheet for accounts to be sent to outside Collections Agencies. * Tracking of negative balance recoveries. * Pull ORACLE report and Right to offset to clear up Negative Balances. Other assigned duties: * Process all Risk Mitigation Invoices * Give the bills to the accounting department. * Make outbound calls to members when dealing with Card Breaches. * Updating members insurance through State National and calling members Ins. Agent directly. * Projects from Chief Executive Officer * Re-open accounts for accounting - to post charge off recovery funds. * Advantage Pay/Misc. Dep. Accounts * Negative Balance Recoveries

• Notarize documents as needed. Supervisory Responsibilities: There are no supervisory responsibilities for this position. Training/Educational Responsibilities Will attend all required regulatory training sessions conducted internally or externally, to include but not limited to: BSA/OFAC; CTR & SAR; I.T. Security, Robbery training. There may be additional training for regulatory compliance as necessary for the position. Continued education for professional development may/will be assigned. Core Competencies To perform the job successfully, an individual should demonstrate the following competencies: Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics. Member Service - Manages difficult or emotional member situations; Responds promptly to member needs; Solicits member feedback to improve service; Responds to requests for service and assistance; Meets commitments and supports the GREAT culture. Interpersonal Skills - Focuses on solving conflict, not blaming; Maintains confidentiality; Listens to others without interrupting; Keeps emotions under control; Remains open to others' ideas and tries new things. Teamwork- Balances team and individual responsibilities; Exhibits objectivity and openness to others' views; Gives and welcomes feedback; Contributes to building a positive team spirit; Puts success of team above own interests; Able to build morale and group commitments to goals and objectives; Supports everyone's efforts to succeed. Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; supports organization's goals and values. Professionalism- Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments. Adaptability - Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation; Able to deal with frequent change, delays, or unexpected events. Attendance/Punctuality - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time. Competencies Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and/or Experience High school diploma or general education degree (GED) and at least two years of collections or call center experience. Prefer prior Financial Institution or Credit Union experience. Bilingual is helpful. Language Skills Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and policies & procedure manuals. Ability to write routine reports and correspondence. Must be able to speak to the membership regarding their accounts. Mathematical Skills Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Reasoning Ability Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. Computer Skills To perform this job successfully, an individual should have knowledge of financial institution software and Microsoft Office. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this Job, the employee is regularly required to stand; reach with hands and arms and talk or hear. The employee is frequently required to walk; sit and use hands to finger, handle, or feel. The employee must regularly lift and /or move up to 10 pounds, frequently lift and/or move up to 25 pounds and occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision and ability to adjust focus. Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. Travel Requirements Some travel to Pueblo/Denver/Colorado Springs/San Luis Valley may be required. The successful candidate should have excellent costumer service skills , good verbal communication skills, able to articulate well, active listening skills, reading comprehension and writing skills are vital. Time management and the ability to multi task without distraction is a great attribute to be successful in this position. Aventa offers an excellent benefit package that includes medical and dental with low deductibles, vision insurance, long term and short term disability, life insurance, 401 (k), flex spending and a variety of optional products (subject to change). If you meet these requirements and are interested in this position, please submit your resume, cover letter and salary requirements and apply now to work in a dynamic team environment. Job Type: Full-time Experience: * collections or call center: 2 years Education: * High school or equivalent Language:
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