Workout Specialist
Location: Albuquerque, New Mexico
Description: Rio Grande Credit Union is employing Workout Specialist right now, this position will be presented in New Mexico. More complete informations about this position opportunity please read the description below. Post by Jobing - Overview: Reviews delinquent loan applications to evaluate, classify, and rate each risk to determine acceptability, coverage, and pricing by performing the followi! ng duties.Responsibilities: Communicates with members regarding requested for credit extension, reâ€"ages, modifications, and trouble debt restructuring loans.Examines documents such as application forms, credit reports, past payment history, and membership to determine degree of risk from such factors as applicant financial standing, business operations, loss experience, and value and condition of collateral.Determines whether to accept, modify, or decline requests. Calculates interest rates and terms of loan by using approved trouble debt restructuring policy and procedures. Works with management to develop or modify policy wording when exceptions to policy become excessive. Monitors all trouble debt restructuring loans and periodically evaluates possibility of losses.
Reports all loans in trouble debt restructuring group to Manager and Senior Management on a monthly basis. Consults with collections manager to obtain further information, quote rates, or explanati! ons of Rio Grande Credit Union underwriting policies. Works wi! th collection agency regarding settlement of chargedâ€"off debt.Works with attorney regarding bankruptcy proceedings. Makes collection calls when necessary.
Assist collections manger with projects. Supervisory Responsibilities This job has no supervisory responsibilities. Qualifications: Competencies To perform the job successfully, an individual should demonstrate the following competencies: Analytical â€" Synthesizes complex or diverse information; Collects and researches data; Uses intuition and experience to complement data. Problem Solving â€" Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Uses reason even when dealing with emotional topics.
Customer Service â€" Manages difficult or emotional member situations; Responds promptly to member needs; Responds to requests for service and assistance; Meets commitments. Oral Communication â€" Speaks clearly and persuasively in ! positive or negative situations; Listens and gets clarification; Responds well to questions. Written Communication â€" Writes clearly and informatively. Professionalism â€" Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments.
Quality â€" Demonstrates accuracy and thoroughness; Monitors own work to ensure quality. Quantity â€" Meets productivity standards; Strives to increase productivity; Works quickly. Attendance/Punctuality â€" Is consistently at work and on time; Ensures work responsibilities are covered when absent. Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.
The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable ind! ividuals with disabilities to perform the essential functions. Educatio! n and/or Experience High School Diploma; Five years experience in collections or underwriting; Preferably experience working with workout or exception loans; or equivalent combination of education and experience. Language Skills Ability to read and interpret documents such as loan agreements, policies, procedures and regulatory guidance.
Ability to write routine reports and correspondence. Ability to speak effectively before groups of members or employees of RGCU. Mathematical Skills Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.
Reasoning Ability Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. Computer Skills To perform this job successfully, an i! ndividual should have knowledge of Microsoft Excel Spreadsheet software and Microsoft Word Processing software.
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If you were eligible to this position, please give us your resume, with salary requirements and a resume to Rio Grande Credit Union.
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This position will be started on: Fri, 08 Nov 2013 15:40:09 GMT