VyStar Credit Union
Member Solutions Representative III
VyStar Credit Union, Jacksonville, Florida, United States, 32290
Overview
Join to apply for the
Member Solutions Representative III
role at
VyStar Credit Union . At VyStar, we offer competitive pay and an excellent benefits package that includes a 401(k) Plan, extensive paid technical and on-the-job training, and tuition reimbursement — available to all full- and part-time employees. Part-time positions start at a minimum of 30 hours per week. Member Solutions Representative III Accountability
The Member Solutions Representative III contacts members to effectively reduce VyStar exposure to financial losses caused by delinquent accounts. Activities must be conducted in compliance with federal and state regulations to avoid possible harassment claims and litigation. Essential Job Functions
Reviews delinquency reports and collection system information daily to determine appropriate collection activity to elicit monies due from members. Phones members to discuss delinquency. Obtains information to effect collection on account and follows up regularly on accounts that remain delinquent. Skip traces difficult to locate members to establish contact. Locates collateral and recommends repossession. Locates assets and recommends legal action which may ultimately reduce loss to VyStar. Considers and recommends extensions on delinquent accounts to bring due date current. Calculates repayment schedule, completes forms, obtains members’ signatures, and forwards records to Supervisor for approval. Reviews and recommends charge-off accounts to the appropriate supervisor. Completes forms to provide original loan information and account activity summaries to generate applicable collections activity or actions. Converse with members to discuss account information or make loan payment arrangements. Accepts funds and enters information to post transactions. Familiarity with preparing and assigning collateral for recovery to third-party recovery agencies, including related processes (voluntary/ involuntary assignments, writs, tow liens, police impounds, levies). Familiarity with developing, fostering, and negotiating relationships with vendors (repossession agents, auctions, attorneys). Exhibits the ability to examine a repossession request to determine if expenses exceed collateral value and makes recommendations to minimize loss exposure. Process invoices and review condition reports to validate accuracy and determine wholesale values for collateral sales; provide collateralized loan portfolio analysis to management. File necessary claims through private and credit union collateral protection insurance programs to mitigate loss. Liaison for Member Solutions Representative I and II, and VyStar employees to answer questions related to collections, bankruptcy, recovery, hardship, and repossession. Familiarity with hardship processes and applicable service level agreements. Performs other duties as assigned. All employees are expected to identify, assess, manage, and report risks within their domain of work to support a healthy risk culture. The Risk team provides risk oversight and credible challenge; the Audit team provides risk assurance. VyStar Excellence Behaviors
Focus: listen and observe your client or member. Connect: be friendly and approachable. Understand: listen empathetically and ask questions. Counsel: recommend solutions based on needs and objectives. Advance: ensure that member expectations are exceeded. Qualifications
Education & Experience
High school diploma or equivalent; some college courses preferred. Ability to interpret auditory information, operate a computer, organize data, and interpret visual information. 3+ years of experience in a consumer collection environment, consumer lending, customer service, or within a financial services organization. Knowledge of federal and state regulations related to collections, repossessions, bankruptcy, and recoveries; familiarity with FDCPA, FCRA, and bankruptcy laws; knowledge of loss mitigation guidelines. Job Requirements
Internal Candidates
3+ years of relevant experience. Internal hires at the Member Solutions Representative III level are expected to complete all required courses within 6 months; failure to meet standards may affect pay grade per VyStar policy. External Candidates
3+ years of collections experience with familiarity in collections loss mitigation (legal, repossession, recovery, bankruptcy). External hires at this level are expected to complete required courses within 6 months; failure may affect pay grade per VyStar policy. Knowledge, Skills & Abilities
Positive, well-developed written and verbal communication; detail-oriented; strong organizational and active listening skills; ability to work in a fast-paced environment and collaborate with others. Professional conduct and appearance; self-motivated; able to communicate with members, vendors, and legal counsel; self-starter with follow-through. Proficiency with Microsoft Office and credit union software/core systems relevant to tasks. Disclaimers & Work Environment
Nothing in this position description is an implied contract of employment. The description is intended to be an accurate account of essential functions and is subject to change. Reasonable accommodations may be made for individuals with disabilities. Occasional physical ability to lift up to 20 pounds may be required. VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies for employment or contractor opportunities. Submitting resumes without a valid written search agreement will be the property of VyStar. No placement fee will be paid for referrals or other means. Your resume will be reviewed and, if matched, a Human Resources representative will contact you. Seniority level
Mid-Senior level Employment type
Full-time Job function
Management and Manufacturing Industries Banking
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Join to apply for the
Member Solutions Representative III
role at
VyStar Credit Union . At VyStar, we offer competitive pay and an excellent benefits package that includes a 401(k) Plan, extensive paid technical and on-the-job training, and tuition reimbursement — available to all full- and part-time employees. Part-time positions start at a minimum of 30 hours per week. Member Solutions Representative III Accountability
The Member Solutions Representative III contacts members to effectively reduce VyStar exposure to financial losses caused by delinquent accounts. Activities must be conducted in compliance with federal and state regulations to avoid possible harassment claims and litigation. Essential Job Functions
Reviews delinquency reports and collection system information daily to determine appropriate collection activity to elicit monies due from members. Phones members to discuss delinquency. Obtains information to effect collection on account and follows up regularly on accounts that remain delinquent. Skip traces difficult to locate members to establish contact. Locates collateral and recommends repossession. Locates assets and recommends legal action which may ultimately reduce loss to VyStar. Considers and recommends extensions on delinquent accounts to bring due date current. Calculates repayment schedule, completes forms, obtains members’ signatures, and forwards records to Supervisor for approval. Reviews and recommends charge-off accounts to the appropriate supervisor. Completes forms to provide original loan information and account activity summaries to generate applicable collections activity or actions. Converse with members to discuss account information or make loan payment arrangements. Accepts funds and enters information to post transactions. Familiarity with preparing and assigning collateral for recovery to third-party recovery agencies, including related processes (voluntary/ involuntary assignments, writs, tow liens, police impounds, levies). Familiarity with developing, fostering, and negotiating relationships with vendors (repossession agents, auctions, attorneys). Exhibits the ability to examine a repossession request to determine if expenses exceed collateral value and makes recommendations to minimize loss exposure. Process invoices and review condition reports to validate accuracy and determine wholesale values for collateral sales; provide collateralized loan portfolio analysis to management. File necessary claims through private and credit union collateral protection insurance programs to mitigate loss. Liaison for Member Solutions Representative I and II, and VyStar employees to answer questions related to collections, bankruptcy, recovery, hardship, and repossession. Familiarity with hardship processes and applicable service level agreements. Performs other duties as assigned. All employees are expected to identify, assess, manage, and report risks within their domain of work to support a healthy risk culture. The Risk team provides risk oversight and credible challenge; the Audit team provides risk assurance. VyStar Excellence Behaviors
Focus: listen and observe your client or member. Connect: be friendly and approachable. Understand: listen empathetically and ask questions. Counsel: recommend solutions based on needs and objectives. Advance: ensure that member expectations are exceeded. Qualifications
Education & Experience
High school diploma or equivalent; some college courses preferred. Ability to interpret auditory information, operate a computer, organize data, and interpret visual information. 3+ years of experience in a consumer collection environment, consumer lending, customer service, or within a financial services organization. Knowledge of federal and state regulations related to collections, repossessions, bankruptcy, and recoveries; familiarity with FDCPA, FCRA, and bankruptcy laws; knowledge of loss mitigation guidelines. Job Requirements
Internal Candidates
3+ years of relevant experience. Internal hires at the Member Solutions Representative III level are expected to complete all required courses within 6 months; failure to meet standards may affect pay grade per VyStar policy. External Candidates
3+ years of collections experience with familiarity in collections loss mitigation (legal, repossession, recovery, bankruptcy). External hires at this level are expected to complete required courses within 6 months; failure may affect pay grade per VyStar policy. Knowledge, Skills & Abilities
Positive, well-developed written and verbal communication; detail-oriented; strong organizational and active listening skills; ability to work in a fast-paced environment and collaborate with others. Professional conduct and appearance; self-motivated; able to communicate with members, vendors, and legal counsel; self-starter with follow-through. Proficiency with Microsoft Office and credit union software/core systems relevant to tasks. Disclaimers & Work Environment
Nothing in this position description is an implied contract of employment. The description is intended to be an accurate account of essential functions and is subject to change. Reasonable accommodations may be made for individuals with disabilities. Occasional physical ability to lift up to 20 pounds may be required. VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies for employment or contractor opportunities. Submitting resumes without a valid written search agreement will be the property of VyStar. No placement fee will be paid for referrals or other means. Your resume will be reviewed and, if matched, a Human Resources representative will contact you. Seniority level
Mid-Senior level Employment type
Full-time Job function
Management and Manufacturing Industries Banking
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