Account Services Representative - Community Choice Credit Union : Job Details

The Account Services Representative for Community Choice Credit Union will play a crucial role in managing delinquent accounts, ensuring compliance with regulatory guidelines, and providing effective strategies to recover outstanding balances. In this role we are looking for someone with strong communication skills, empathy, and a proactive approach to customer service.

What You'll Be Responsible For:

• Delinquency Management: Contact delinquent account holders taking appropriate action to bring accounts current. Recommend escalated course of action through the appropriate chain of command. Stay informed about relevant regulations and compliance requirements pertaining to collections within the financial industry.

• Post Default Account Management: Prepare and file documents for small claims lawsuits and garnishments. Refer, track, and follow up on large balance accounts for resolution in district court.

• Customer Communication: Communicate effectively via phone and email with Members. Assist members with general collection questions regarding loan payments and past due notices. Educate members on how to pay their debts in a timely manner. Evaluate and gather information on delinquent accounts.

• Problem Resolution: Process levies and garnishments as needed. File death and disability claims. Recommend escalated course of action through appropriate chain of command.

• Documentation and Reporting: Maintain accurate and detailed records of all communication and actions taken on delinquent accounts. Generate reports on collection activities, trends, and outcomes for management review.

Schedule:

• This role will be held in Iowa for an organization that has an in-office culture, so relocation or local candidates will be welcomed.
• Monday through Friday 8-5pm with working in a Saturday rotation and one late night per month until 7:00pm

Who We're Looking For:

• 1-3+ experience in the following:

collection laws/regulations

Small claims procedures

Suit file creation

Reviewing account for legal action

Collections regulations

• Credit Union or banking experience preferred.
• Exceptionally detail-oriented and manages multiple priorities.
• Strong reporting and tracking abilities; able to easily navigate between databases.
• A high school education or equivalent