Posting Date

Works alongside third-party collection partner in monitoring and collecting on delinquent loan accounts. Responsible for the overall quality of the credit union’s loan portfolio by performing loan reviews on a sampling of consumer and real estate loans.

Responsibilities and duties

  1. Directly handles foreclosures, repossessions, or any other action to protect collateral. Acts as the liaison between legal counsel and the credit union as needed.
  2. Responsible for recommending and processing charge-offs as well as the handling and disposition of all OREO (Other Real Estate Owned) properties.
  3. Liaison between the third-party collection partner and the credit union on delinquent accounts. Handles the seriously delinquent accounts after the third-party partner returns the account back to the credit union. Assists with other delinquent situations as needed.
  4. Reviews all loans delinquent greater than 30 days and reports the findings to management via a monthly loan performance meeting.
  5. Completes the resolution and processing of modifications and troubled debt workout scenarios.
  6. Handles the review of consumer and real estate loan production. Documents the loan decision, the overall collateral position, and the documentation of the loan to maintain compliance with all NCUA / Federal regulations.
  7. Reviews credit decisions made by the loan officers; documents any exceptions to loan policy and prepares quarterly reports of exceptions to the Board of Directors.
  8. Identifies lenders with credit quality weaknesses; recommends and conducts additional training as needed. Recommends lending authority increases and decreases based on credit quality.
  9. Handles all credit reporting disputes to keep in compliance with the Fair Credit Reporting Act.
  10. Receives, processes, and tracks member bankruptcies.
  11. Periodically reviews and updates policies and procedures pertaining to job duties.
  12. All other duties as assigned.


Education: Associate degree in business or related field or an equivalent combination of formal training and experience.


  1. At least three years of lending or collection experience preferred.
  2. Understanding of the foundation of determining credit worthiness.
  3. Knowledge of credit union loan policies, products, procedures, processing, and underwriting guidelines.
  4. Real estate background helpful.


  1. Accurate and attentive to detail.
  2. Solid written and verbal communication.
  3. Solid analytical skills / numbers.
  4. Well organized and able to multi-task.
  5. Computer system / software experience / technology.
  6. Willing to work with and assist others / team-player.
  7. Problem solving skills.
  8. Time management.

Schedule: Full-time

Location: Everence Federal Credit Union – Lancaster, PA

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