Title: Collections/Accounts Receivable Representative Location: Basking Ridge United States Full Time Salary Range:$50,000.00 To $55,000.00 Annually Job Description: The Member Care Consultant reviews delinquent loans, corresponds with members, and performs necessary collection activity to obtain payment by utilizing all resources to contact members and mitigate losses on loans for the credit union. Selected candidates MUST be available to work a 40-hour/week, plus overtime on nights and weekends as needed. 100% remote candidates who meet the requirements are eligible to apply and will be considered. The starting pay range for a new hire in this role is $50-$55k. The wage/salary offered to a successful candidate will be dependent on several qualifying factors, including but not limited to: years of relevant experience, years of industry experience, education, etc. ESSENTIAL DUTIES AND RESPONSIBILITIES Collects delinquent loan accounts Contact members via telephone, e-mail, text and letter to identify reasons for delinquency, obtain payment and cure delinquency. Document all collection activity In Temenos. Exercise right of offset by authorizing the transferring of shares to loans. Identify members who are candidates for loss mitigation assistance. Skip trace delinquent members to obtain current information for contact using all tools available including social media. Alert the Member Care Manager of any occurrences which are unusual or pose financial loss to the organization. Utilize all resources to obtain payment, including assistance from other Collectors and the Member Care Manager. Negotiate repayment plans for members who cannot pay the entire delinquent amount and notate in Temenos. Notify the Loan Servicing Department to freeze credit limits on delinquent loans in accordance with policy, to prevent member from taking additional advances. Resolve over the limit credit card accounts via collection. Recommend automobile accounts for repossession in accordance with policy time frame, utilizing the Temenos repossession workflow queue. Provide support to Branches and MSC to resolve member questions on delinquent payment history. Position may require working overtime including nights and/or weekends as directed by management EDUCATION and/or EXPERIENCE REQUIREMENTS A minimum of 2+ years of related experience in a collections/accounts receivable role is required. Knowledge of collections platform software, AKUVO or Temenos preferred. Basic knowledge of collections laws is preferred. Strong customer service skills are required. Ability to work in a team environment and contribute positively to the team is essential. Bilingual Spanish-speaking is preferred, but not required. MINIMUM QUALIFICATIONS Excellent communication and negotiating skills with the ability of maintaining member satisfaction while being persuasive and performing as a Financial Recovery consultants. Able to handle a high volume of work and meet required deadlines. Able to be productive in a fast-paced environment. Knowledge of Credit Union products, services, policies and procedures. Affinity strives to maintain balance between our employees' personal and professional responsibilities. All full-time employees receive a highly competitive and multi-faceted Total Rewards package including competitive pay, target incentive, full medical/dental/prescription coverage, 401(k) plan, profit sharing, and generous paid time off. As an Affinity employee you are eligible for discounts on our products and services, earn paid time off for volunteering and much more. In addition to these benefits, Affinity provides extensive educational and developmental opportunities as well as access to our formal Tuition Assistance Program. Affinity Federal Credit Union is an Equal Opportunity Employer. Affinity FCU is committed to creating an inclusive culture and an employment experience that values diversity. Our culture is built on respect - one that recognizes and values the unique talents of everyone on the team. With a genuine commitment to diversity, we've created an environment where employees feel comfortable regardless of race, gender, religion, background, physical ability or sexual orientation.