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Credit Counselor

Notre Dame Federal Credit Union


Company Overview: We are a mission-based financial institution that shares the common beliefs of our members and is dedicated to solving problems through extraordinary member service. We believe that through frank advice, financial workshops, and educational scholarships, we can provide the financial tools to empower their lives and the lives of their families.
Industry: Financial
Website: www.notredamefcu.com
Location:
1828 Moreau Dr.
Notre Dame, IN 46556

Job Description:

The Credit Counselor position is responsible for maintaining an effective system of delinquency and loss control by communicating with and counseling the members following up on past due   accounts and loans as assigned by the Credit Solutions Manager or Asset Recovery Manager to ensure delinquency and the resulting losses are kept within pre-determined Credit Union limits.

ESSENTIAL DUTIES & RESPONSIBILITIES:

This position must effectively carry out the essential duties of this position in a manner that consistently demonstrates the core values of Notre Dame Federal Credit Union in a positive manner. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The duties identified below are the essential functions of the position and other duties may be assigned.

  • Contact members as assigned by telephone, e-mail, letter or in person to determine the reasons for their delinquent status and to assist the member in developing a plan to bring their account(s) current.
  • Consult with members and make recommendations to the Credit Solutions or Asset Recovery Manager for plans to rectify and/or prevent any delinquency or charge off issues.
  • Counsel and educate members on appropriate use of credit, budgeting, the effects of negative versus positive credit and repayment activity. Proactively advocate for the appropriate use of additional credit counseling services when beneficial.
  • Insure that all liable parties are promptly contacted on delinquent accounts as provided for by policy and any state and federal laws affecting the same.
  • Review and recommend, to the Credit Solutions and Asset Recovery Manager, any accounts that should be turned over for legal action, repossession, foreclosure, handling by an outside agency, or charge-off.
  • Provide information on delinquent accounts to authorized persons or institutions as needed and when permissible in the collection of delinquent accounts.
  • Maintain files, records, journals and other electronic documents to provide chronology of collection, credit counseling and lending activity for delinquent loans and negative accounts, including providing reports to management.
  • Repossess, secure, inspect and inventory collateral as needed. Perform any other duties as needed with these tasks, e.g. releasing of personal effects to qualified member.
  • Perform such other duties and functions as might be required for the efficient and effective operation of the Credit Union or as might be assigned by the Credit Solutions or Asset Recovery Manager. (Examples include but are not limited to… processing monthly charge offs, forwarding accounts to Collection Attorneys and Collection Agencies, Reporting of Negative Share write-offs, Answering disputes on Credit Bureaus, processing court/third party orders that come in for Garnishment/Levies/Child support, Collateral Protection Insurance (CPI) tracking, Account Adjustments, etc.)
  • Provide information to lenders and underwriters regarding members past or present payment arrangements with the Credit Union or other agencies that may impact the decision as to approval of new credit.
  • Take measures to locate members when necessary, utilizing skip tracing techniques.
  • Maintain Credit Union compliance with state and federal laws and regulations. These include, but are not limited to, bankruptcy law, debt collection and reporting law, and privacy law. Coordinate and cooperate with NCUA, private sector and/or internal auditors to monitor the functions of the Credit Counselor responsibilities.
  • Attend credit-counseling meetings as required.
  • Promote cross selling of Credit Union products and services.
  • Comply with the Credit Union code of ethics.
  • Responsible for adherence to Credit Union policies and procedures.

Job Requirements:

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 equivalent required; a college degree in business or applicable major preferred.
  • Requires one - three years’ collection/finance or comparable field experience.
  • Must have a valid driver’s license.  

To Apply for this position:

Please apply via our website at https://www.notredamefcu.com/about-us/careers.

 

Relevant Military experience is considered for veterans and transitioning service men and women.

Notre Dame FCU is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran.



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