The Freedom Federal Credit Union Difference

Freedom Federal Credit Union believes that a great member experience begins with a great employee experience. We value our employees not just for their talent, but also for the difference they make to our members and the Harford County and Baltimore County communities we serve. We strive to help our employees live up to their fullest potential, and, with that in mind, provide each of them with a healthy, safe, and positive, yet challenging, work environment. A positive work-life balance, personal growth, purposeful work, and recognition of accomplishments are an essential part of what we offer. We're looking for people to join our team, who share our vision and passion to make a positive financial impact on our members' lives. If you're ready to take the next step, join Freedom to truly make a difference.

Summary:

The Freedom Federal Credit Union Sr. Member Solutions Representative assist and coordinate the collections operation by performing a variety of investigative and other duties relating to the collection and maintenance of delinquent accounts, to include all legal, bankrupt, and charged off accounts. Inform management of activities and problems; assist in training, research, evaluation, and collection of accounts to include attorney and agency referrals. Utilize all available collection tools to contact members, encourage re-payment, document collection activity to include the charge-off portfolio, and maintain applicable records and reports. Complies with all federal, state, and organizational policies, procedures, and processes, including (but not limited to) the Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC). Maintains confidentiality of current, past, and potential members and their personal and financial information.

Essential Duties & Responsibilities:

• Maintain a systematic process for identifying charge-off and delinquent accounts and respond with collection activity.
• Review collection reports for status of collections and outstanding balances.
• Collection of all credit union loans, negative shares, and charged-off accounts.
• Locate members using all skip tracing tools available, such as member application, credit bureau, Internet, creditors, relatives, references, and other applicable sources.
• Monitor payments received and follow up on payment arrangements with the members and/or attorneys.
• Review and recommend action to take possession of collateral involved in delinquent loans.
• Conduct evaluation of collateral and arrange for disposition.
• Document and follow up on bankruptcy filings. Complete Proofs of Claims, Reaffirmations, and prepare documents needed for Lift of Stay requests as required.
• Stay current with all provisions of the federal and state bankruptcy codes and regulations as well as repossession and collection laws.
• Represent the credit union in court concerning legal processes connected with collection, bankruptcy, and other creditor/debtor situations.
• Review and recommend to management to submit delinquent accounts to attorney or outside agency for collection.
• Maintain compliance with regulatory permissions and restrictions.
• Evaluate collection policies and procedures and recommend enhancements*

Knowledge, Skills, and Experience

Required Experience

• High School Diploma required
• 4 years of relevant experience required
• Proficiency in Microsoft Word, Excel, and Outlook
• Knowledge of Bankruptcy laws, practices, and procedures

Interpersonal Skills

A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In-depth dialogues, conversations, and explanations with members, direct and indirect reports, and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. Communications can involve motivating, influencing, educating, and/or advising others on matters of significance.

COMPANY INFORMATION:

Freedom Federal Credit Union is a community-chartered federal credit union offering consumer financial services to those who live, work, volunteer, worship, attend school, or have family in Harford and Baltimore Counties. Additionally, Freedom offers a full line of banking services for all businesses, associations, and other organizations that are based in Harford and Baltimore Counties. To learn more, visit freedomfcu.org.

Freedom provides employees with competitive compensation, an excellent benefit package that includes medical, dental, an employer matching 401(K) Plan, generous paid time off, life insurance, short-term and long-term disability insurance, tuition reimbursement, and career advancement opportunities.

Freedom Federal Credit Union conducts credit, bond, and background checks. All new hires must present evidence of authorization to work in the US. Freedom Federal Credit Union participates in the E-Verify program. Freedom Federal Credit Union is an Equal Opportunity/Affirmative Action 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 based on disability.

If you are a disabled applicant and cannot apply online, please contact Freedom Federal Credit Union Human Resources directly for assistance.