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  • A Great Place to Work Certified Company
  • Affordable medical, dental, vision, and prescription health plans
  • 12 paid holidays a year including your birthday
  • Career development, training opportunities, career coaching, and tuition reimbursement

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****$3,000 Signing Bonus****

APPLY FOR THIS POSITION

The Debt Counselor II works to contact members who have delinquent real estate and consumer accounts for the purposes of collecting these delinquencies and negotiating payment terms in compliance with departmental standards, policies and procedures in efforts to mitigate Andrews Federal Credit Union losses, provides assistance and guidance to less experienced counselors, to include review of work, guidance of collection techniques and advice on options to pursue collection, and serves as a mentor to less experienced staff.

ESSENTIAL DUTIES      

  • Initiates appropriate follow‐up activity on delinquent accounts and maintains on‐line chronological records of all facts, information developed and actions taken.
  • Determines reason for delinquency and establishes an equitable payment arrangement enlisting the cooperation of the member, tracking member’s compliance to revised payment schedule.
  • Provides financial counseling and assistance to members who are experiencing financial difficulties as needed.    Assist borrowers to find solutions to maintain home ownership, including HAMP and proprietary modifications. 
  • Familiar with all aspects of FNMA guidelines for in Delinquency/Default prevention and Management.  Ensure necessary information and complete packages are received in a timely manner, maintained, tracked, and logged.
  • Analyzes information in the member's record, decides what action will be taken and selects a method for effecting that action.
  • Negotiates to establish mutually agreeable repayment arrangements with delinquent members to include extension agreements/payment modifications.
  • Recommends appropriate course of action when members refuse to make satisfactory repayment arrangements (i.e. foreclosures, repossession, litigation, charge-off, loss mitigation to included but not limited to payment modification, deferral and/or extension).  Ensures appropriate documentation is available for chosen course of action.
  • Performs skip-tracing by contacting third parties such as relatives of the delinquent member, employers, personnel officers, creditors, or credit bureaus in order to locate, contact and collect from members whose whereabouts are unknown.
  • Prepares various reports and logs for review.
  • Represents Andrews Federal during local Small Claims hearings, if necessary.
  • Recommends accounts for charge off when collection efforts do not resolve the account.
  • Remains cognizant of and adheres to Andrews Federal policies and procedures, and compliance with all applicable federal, state and local laws, regulations and ordinances.
  • Remains cognizant of and adheres to Andrews Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act.
  • Has the ability to interact with co-workers, supervisors, members and outside contacts in an appropriate, professional manner which projects a positive image of the department and Andrews Federal.
  • Orders property inspections according to FNMA guidelines and Reviews property inspections to determine appropriate action to take with regard to established guidelines.
  • May assists in analyzing work productivity, policies and procedures. 
  • Attends work regularly and according to work schedule; limits absences according to personnel policies regarding leave usage.
  • Ability to work varying shifts including evenings and weekends.
  • Perform other duties as assigned.


REQUIRED EXPERIENCE

  • Requires at least three (2) years of collection experience, preferably in a financial institution. 
  • Must have at least one (1) year experience in Mortgage Loss Mitigation/Collections/Default Servicing/Financial Services and MI regulations. 
  • Experience, in-depth knowledge of federal and state laws and regulations regarding bankruptcy, repossession, foreclosure, loss mitigation, litigation and other collection activities. 
  • Word processing and spreadsheet experience preferred. 
  • Must have excellent organizational, negotiation, oral and written communication skills. 
  • Must have strong listening skills
  • Must have strong analytical & problem solving skills
  • Ability to work well under pressure and with deadlines
  • Ability to work independently with minimal supervision
  • Self-motivated with the ability to complete multiple tasks with minimal supervision
  • High attention to detail and excellent time management skills
  • Assist with departmental projects as needed.
  • Ability to learn and perform in a fast-paced environment.
  • Ability to work flexible hours, including working overtime, and Saturday’s with little advance notice

PHYSICAL REQUIREMENTS

  • Requires the ability to sit for extended periods of time, reviewing and analyzing data. 
  • Must be able to use a computer terminal, 10 key calculator, fax machine, telephone and automated collection system.

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization

APPLY FOR THIS POSITION

The DMS Manager manages the DMS staff, provides leadership and guidance, implementing work methods and programs to ensure that work is completed within established time frames while ensuring the credit and collection policies and procedures of Andrews Federal Credit Union are adhered to by the staff.   Identify trends and issues that impact the Credit Union’s loan portfolio.  Assists in the analyses of delinquent loans and the production of a variety of reports to measure individual, departmental and Credit Union performance to ensure the loan portfolio delinquency and charge-off ratios can be controlled at acceptable levels.

 ESSENTIAL DUTIES            

  • Monitors, reviews, track and reports on delinquency activities to identify weaknesses and trends in the consumer and mortgage loan portfolios.
  • Supervises and coordinates loan collection activities to ensure the appropriateness and effectiveness of the tactics utilizes to collect on delinquent loans.  Adjusts work processes and recommends procedural changes as needed to increase effectiveness.
  • Reviews and authorizes recommended payment schedule, charge-offs, repossessions and legal proceedings.
  • Assists in workouts and reselling of real estate acquired through collection processes/foreclosures
  • Provides guidance and assistance to DMS staff to ensure compliance with credit union policies and procedures and applicable regulations.
  • Coordinates collection activities between stateside and overseas offices to ensure uniform application of established procedures.
  • Compiles, analyzing impact, providing statistical data and reports monthly activity.
  • Delegate responsibility and expect accountability and regular feedback to provide staff development. 
  • Plan and allocate resources to effectively staff and accomplish the work to meet departmental productivity and quality goals while maintaining operational efficiency.
  • Develops and maintains cooperative working relationships with legal offices, collections agencies and other vendors to enhance collection activities.
  • Reviewing and resolving complex problems and personally handling member de-escalation calls.
  • Provides financial counseling services to members.
  • Develops, monitors, and adheres to departmental budget plan.
  • Must be able to manage staff remotely by establishing clear expectations as well strategically communicate with staff to maintain interaction.
  • Responsible for reviewing federal, state and local regulations pertaining to debt collections, and recommend changes when necessary. 
  • Actively participates with personnel related matters including hiring staffing, performance appraisals, training, counseling and separation process.                    
  • Attends seminars and group meetings to analyze ways to improve/implement collection activities through innovation, teamwork and technical support.
  • Remains cognizant of and adheres to Andrews Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act.
  • Interacts with co-workers, supervisors, members and outside contacts with an appropriate, professional manner which projects a positive image of the department and Andrews Federal.
  • Attends work regularly and according to work schedule; limits absences according to personnel policies regarding leave usage.
  • Able to working evening and Saturday shifts as deemed necessary by management.
  • Performs other duties as required.

EDUCATION      

Bachelor’s degree, in related field or a combination of education and experience that provides the necessary skills and knowledge to satisfactorily perform the essential job functions.                                           

REQUIRED EXPERIENCE

  • Requires at least seven years of collection experience in a financial institution, including three (3) in a supervisory capacity.
  • Real Estate collections, default servicing and RE secured loan workout experience preferred.  
  • Must have a thorough knowledge of application federal and state regulation governing collection, repossessions, bankruptcy, foreclosures and legal collection proceedings.  
  • Must have strong analytical and mathematical skills as well as PC proficient including Microsoft Office, Word, Excel, Access, Outlook, Episys, and the Internet including skip-tracing and asset-searching skills.
  • Strong collaboration skills including effective verbal and written communication skills.
  • Strong problem solving and decision-making skills and ability to work independently.
  • Proven ability to manage a team.
  • Ability to read and interpret credit bureau reports.
  • Must be able to negotiate effectively.

PHYSICAL REQUIREMENTS

  • Requires the ability to sit for extended periods of time, analyzing data. 
  • Must be able to use computer keyboard, 10 key calculator, fax machine and telephone and automated collection systems.

MANAGERIAL EXPERIENCE         

A minimum of three (3) years of responsible leadership experiences in management or supervisory positions.
Exercises mid-level of independent decision-making.

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.

APPLY FOR one of THese POSITIOns

The Financial Service Representative is responsible for the tactical initiatives as they relate to building member relationships, providing world-class service and achieving branch goals. The incumbent will promote and build positive relationships with members and provide solutions to their financial needs, remaining committed to the organization’s core values.

Essential Duties

  • Assumes responsibility for the efficient, effective, and accurate performance of Teller functions.
  • Presents and explains Credit Union membership, products and services to potential and existing members and assists in meeting their financial needs. Keeps members informed of Credit Union policies and information, including types of available accounts, interest and dividend rates, payroll deduction options, and other related services.
  • Identifies cross-selling opportunities through asking members pertinent questions, execution of active listening skills while communicating with members and anticipation of member needs.
  • Responds to member’s requests, problems, and complaints and/or direct them to the proper person for specific information or assistance.
  • Build positive relationships with other lines of business by interacting with other business units.
  • Refers members to departments for specialized needs (i.e., Mortgage). Refers members to designated Credit Union partners to fulfill financial counseling, investment and insurance needs.
  • Reviews all available operational, product and procedure manuals in branch to become completely familiar with all branch operations, products, services and policies.
  • Demonstrate effective communication with all internal and external business partners, including the retail partner, while effectively communicating upwards and across the organization.
  • Volunteer for SEG sign-ups and other credit union activities.
  • Remains cognizant of and adheres to Andrews Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act.

Required Experience

  • High school diploma or GED.
  • Must have 6 months experience in a sales/service role within the financial services industry or other types of retail businesses.
  • Excellent interpersonal, verbal and written communication skills.
  • Knowledge of how the financial markets impact the financial services industry and excel at representing credit union products and operations
  • Minimal travel amongst branches may be required.

Physical Requirements

  • The ability to sit and/or stand for extended periods of time.
  • Must be able to use a computer keyboard and a 10-key calculator.

We want you! Join Team Andrews!

When you're ready for a more rewarding work experience, check out our open positions.

We give you the tools you need to succeed and provide an environment where you can flourish professionally and personally. Our benefits package is structured to help you enjoy a happy, healthy lifestyle, and we're always looking out for our employees. If you're passionate about helping people and giving back to our communities, we want to hear from you.

We're a full-service financial institution with stateside locations in Washington, D.C., Maryland, Virginia and New Jersey, as well as overseas locations in the Netherlands, Belgium and Germany. Check out the career opportunities available now.     

Andrews Federal members received over $12 Million in direct member benefits through lower fees, lower loan rates and higher deposit yields.