• Financial Solutions Representative

    Hudson River Community Credit Union
    Job Description
    Awarded Times Union Top Workplaces 2017 & 2018 & 2019
    Hudson River Community Credit Union is a not-for-profit financial cooperative whose mission is to improve the well-being of members and their families by providing quality financial services with the best overall value.
    Financial Solutions Representative
    Contacting and answering calls from members in the early stage of delinquency to arrange to bring delinquent account to a current status. Performing your job functions within HRCCU organizational values being our members’ first choice for all life’s financial events.
    Essential Functions & Responsibilities:
    ·         Contacting and answering calls from Members with delinquent accounts to make payment arrangements that are in best interest of the credit union. FSR will have to handle high volume phone calls from members and other credit union department to resolve problems with a members account. Identify at risk accounts and make all attempts to collect the debt following all Federal & State laws, policy and procedures of the credit union and bring them to attention of Financial Solution Supervisor/Manager for review.
    ·         Mailing collecting letters to Members using the collection letter guideline
    ·         Processing payments received by the Financial Solution Department
    ·         Perform other duties as assigned.
    Performance Measurements:
    ·         To maximize the collection and/or recovery of credit union assets from delinquent or charged -off loans.
    ·         To maintain accurate and complete records of all collection and recovery activity.
    ·         To ensure that collection activity is both within credit union policy and within all relevant regulations.
    ·         To identify and inform management of potential underwriting problems.
    ·         To promote a friendly professional business environment and to support staff.
    Knowledge and Skills:
    ·         Six months to two years of similar or related experience.
    ·         A high school education or GED. Notary license preferred.
    Interpersonal Skills:    

    A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature. Work may involve motivating or influencing others. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary.

    Other Skills:
    ·         Knowledge of collection, repossession, and credit reporting laws and requirements.
    ·         Preferred experience with collection platforms.
    ·         Must possess the ability to remain calm, patient, objective, and professional when presented with difficult situations.
    ·         Must be able to work in a time sensitive environment, making sound decisions, communicating this decision to members as well as internal staff.
    ·         Excellent communication and organizational skills
    Physical Requirements 
    The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this position, the employee is regularly required to talk or hear. The employee frequently is required to use hands or finger, handle, or feel objects, tools or controls. The employee is occasionally required to stand;  walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl.  The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the 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.
    If you are unable to complete this application online due to a disability, please contact Human Resources at humanresources@hrccu.org.
    HRCCU is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religious creed, sex, gender, sexual orientation, and national origin, physical or mental ability, protected Veteran Status or other characteristics protected by law. To read the It's The Law Poster regarding EEO please paste the following link into your browser.
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