Job Description

Working at Kirtland CU is more than a job-it's a career, and one in the financial world! We pride ourselves on helping our employees learn, grow, and advance in any direction they choose. We offer a highly competitive salary, great benefits package and an energetic, vibrant work environment.

We are currently seeking an Account Resolution Representative to join Kirtland Credit Union! This is a regular, full-time, 100% On-Site position based at our Gibson Branch in Albuquerque.

Join the rest of our teammates and become eligible for a generous benefits package that we offer:

• Medical, Dental and Vision Insurance

•401(k) Retirement savings program that includes employer match.

• Paid time off with accrual starting from day one.

•11 Paid holidays off during the year!

• Tuition Reimbursement for College Degrees

• Employee Clothing Advance

• Fitness Reimbursement Program

• Employee Assistance Program

• Short- and Long-Term Disability

• Travel Assistance

This is what we would like you to do:

• The Account Resolution Representative is responsible for attempts to bring delinquent borrowers current on their loans and to maintain a satisfactory delinquency ratio.

• Interaction with members, co-workers, attorneys, and other vendors as required.

• Support the credit union’s mission, vision, strategic goals, quality initiatives and service standards.

Primary Job Duties:

• Determine the best course of action, consistent with collection standards, to increase the collection of payments from delinquent members. Establish contact with borrowers via telephone, mail or e-mail.

• Conduct collection efforts respectfully but with persistence and persuasiveness.

• Maximize the collections and/or recovery of credit union assets from delinquent and charged-off accounts by collecting on assigned delinquency portfolios for the 30, 60, 90 days and over in addition to collection on the mortgage portfolio.

• Obtain from member the reason for delinquency in order to determine whether to extend payments, to refinance or modify the loan, to repossess, foreclose, or to charge-off the loan.

• Counsel the member on the various programs that are available when there is a hardship situation.

• Correspond with auction for remarketing of repossessed collateral. Provide for safekeeping of collateral and make recommendations for its liquidation.

• Prepare documents for Attorneys when legal action is required.

• Maintain complete and current knowledge of all federal and state consumer credit collection laws and regulations, i.e. SCRA, FCBA, UCC, BK Laws, FDCPA, TCPA AND FCRA.

• Knowledge and ability to perform additional tasks as needed includes:

• Repossession process, account updates and checklist items.

• Posting delinquent payments

• Processing GAP Insurance Claims

• Charge-offs and referrals to outside agencies for collections

• Foreclosures processing

Education/Certification:

• High school diploma or GED is required.

Experience Required:

• One to three years relevant experience preferred.

Required knowledge, skills and abilities:

• Thorough knowledge of collection procedures with strong knowledge of loan products such as consumer loans, credit cards, mortgages, and vehicle loans preferred.

• Strong communication skills (written and verbal)

• Ability to work well with members and KCU employees

• Multi-tasking and problem-solving skills

• Outstanding customer service skills

• Maintain professional appearance and conduct

• Ability to manage irate members in a professional manner

To apply for this exciting opportunity, visit our careers page at

Kirtland Credit Union is an equal opportunity employer. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.

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