Credit Solutions Assoc I

Space Coast Credit Union (SCCU), the 3rd largest state charted credit union in Florida, is looking for an Full Time Credit Solutions Associate to join our ONESCCU team at our Miramar Operations Center or Melbourne Headquarters! SCCU has been in business for over 70 years, has over 8 billion dollars in assets and WE ARE GROWING!

Our Members are our top priority and we stand behind our Brand Promise: Honest People, Trusted Products, Time Valued. We offer a rich benefits package and career advancement opportunities.

SCCU Team Member Benefits:

• ONESCCU annual bonus available!
• Hybrid work schedule after training - Work from home up to 3 days a week
• Medical, Dental & Vision Insurance
• HSA (Health Savings Account) with SCCU matching contribution
• SCCU Paid Long Term and Short Term Disability coverage
• SCCU Paid Term Life Insurance
• Employee Assistance Program (EAP)
• Paid Time Off
• 401(K) Pre-Tax Savings Plan with SCCU match- 100% of the first 5% of employee contributions
• Tuition Reimbursement Program after 1 year of service

SCCU Team Member financial discounts & perks (save money every month!):

• Loan Discounts - Mortgage, 2nd Mortgage, Auto, Motorcycle, Boat, etc. / GAP coverage at half price
• Fixed low rate credit card- 5.99%, if approved
• FREE Identify Theft Protection!
• No fee SCCU accounts

Credit Solutions Associate Salary range

• $20.92 - $22.28 per hour

Credit Solutions Associate Responsibilities

• Provides solutions which will bring past due accounts current, excluding legal and bankrupt accounts, in order to keep delinquent loans to a minimum. Works all loans to include but not limited to consumer, mortgage, and business loans.
• Accepts all inbound phone calls to the department, makes payment arrangements, transfers payments, and researches past due loan problems. Sends accurate loan error corrections to the Loan Servicing Department.
• Attempts telephone contact with all past due members (including all co-makers) as presented on the predictive dialer.
• Provide the member with solutions to delinquency such as a payment plan to bring the loan current, refinance, modification, loan extension, rewrite, short sale, deed- in-lieu or other local programs that may assist them in bringing their loan current during their time of need.
• Send letters to all member(s) within established department guidelines.
• Ensures that all work (i.e., phone calls, promises to pay, updates, etc.) is thoroughly documented, using correct action and response codes on the day the action occurs, to maintain accurate records on past due accounts.
• Ensures that future follow-up dates are maintained on all past due loans more than 10 days past due, to provide maximum coverage of their delinquent queue assignment and that there are no accounts with follow-up dates in the past.
• Requests Credit cards and lines of credit to be closed when 45 days or more delinquent.
• Identifies and refers potential new sales opportunities when discussing solutions with a member.
• Adheres to established department and organization policies, procedures, objectives and quality standards to ensure consistent operations of the Credit Solutions Department.

Credit Solutions Associate Minimum Qualification

Education and Training:

• High school diploma or equivalent experience.

Prior Experience:

• 1 to 2 years in a consumer debt collections or sales environment. 
  • Experience with Vehicle and Mortgage Collections and Loss Mitigation preferred. 
  • Knowledge and experience with SCCU systems and processes may be considered toward required experience.

Other Special Skills and Abilities:

• Bilingual English/Spanish preferred.
• Demonstrated understanding of the fair debt collection practices act.
• Ability to organize, prioritize and perform multiple job tasks simultaneously.
• Must be able to work efficiently with Microsoft Word, Excel, and internal Collections systems.
• Ability to work independently with minimal supervision
• Ability to carry out detailed written and oral instructions.
• Ability to communicate clearly and effectively, both verbally and in writing, to ensure complete understanding and comprehension of the intent and content of the communication

Schedule

• Full time during department hours of operations:
  • Monday - Friday 8:00am - 7:00pm 
  • Rotating Saturdays 9:00am - 3:00pm