Credit Resolutions Agent
Full Time (40 Hours)
Monday - Friday (8am - 5pm)

Credit Resolution (Cimarron Branch)
8275 W. Flamingo Rd
Las Vegas, NV 89147

PURPOSE:
The Primary purpose of this position is to assist Silver State Schools Credit Union to live out its Mission, "Excellent Member Service and Financial Solutions – For Life," while "Placing People over Profit" and providing outstanding service to both members and internal members. Develop a highly effective team of employees to their highest potential through coaching and leadership. Responsible for ensuring that outstanding service is delivered to both internal and external members. A key component of this service is to identify the financial needs of the member and recommend an appropriate credit union solution.

To deliver service in alignment with our Service Commitments
- I will earn respect and build trust by acting with integrity in every situation.
- I will understand my role in supporting the team to achieve our purpose.
- I will focus on people over products and build lasting relationships.
- I will take ownership and accept responsibility.
- I will treat my coworkers with the same high standards as I treat my member.
- I will continuously look for ways to improve myself, my credit union, and my community.
- I will accept there is no "they". We are one working toward the same mission.
- I will commit to the core values
Develop each employee to their highest potential by identifying their areas for improvement and appropriately coaching, training or correcting the employees' performance.
Recognize employees who perform at a high level.
Hold employees accountable for their performance, attitude, and behavior.
Exhibits confidence in self and others; Inspires and motivates others to perform well. Effectively influences actions and opinions of others.
Meet with each employee monthly to review previous month's performance, set goals for upcoming month's performance, and develop plans to improve employee's performance.
Demonstrate enthusiastic support of corporate mission, core values and long-term objectives.
Performs job duties within our bylaws, regulations, Board of Directors policies, established internal and external service standards and our work procedures.
Provide training to branch staff periodically on processes affecting branch and members services.
Maintains a highly motivated, well-trained staff maintaining effective employee relations.

Summary:
The Credit Resolutions Manager is responsible for managing and controlling loan losses within the credit union's loan portfolio. This position requires extensive training and mentoring with the collections staff as well as providing support and assistance to the AVP of Loan Servicing & Credit Resolutions. The Credit Resolutions Manager will endeavor to ensure that the credit union is proactive in avoiding loan losses and pursuing prompt recovery of all monies owed to the credit union in a timely manner.

Essential duties and responsibilities include the following but are not limited to. Other duties may be assigned as needed.

Ensures that all department functions conform to all state and/or national legislative and regulatory requirements and to all credit union policies, operating guidelines, and procedures in a timely manner, preparing response(s) to audit/examination findings and correcting deficiencies in a timely manner both for internal and external serviced loans.
Overseeing all the Credit Resolution Department's routine and cyclical functions
Validate the CR&LS Operational Guideline for updates and improvements
Model and ensure The Credit Resolution Team is exemplifying the credit unions mission and leadership expectations with the ability to inspire and empower our associates to do their best work while creating an inclusive environment for all.
Mentor and influence The Credit Resolutions Team overseeing the day-to-day operations, daily tasks, identifying process improvement, apply live training by handling escalated interactions with members and that key operations and regulatory requirements are met
Prepares Monthly the delinquency, estimated charge off, collateral in liquidation, repossession sold, charge off recommendations and various watchlists reporting to the Allowance Committee
Vendor Management
Partner with analysts, technology, and digital leaders to develop and implement plans for the operation infrastructure of systems, process, and personnel to drive advances for operational enhancement, excellence, and improved member experiences
Ensure key operation and regulatory requirements are met
Assigns accounts to be worked and maintains a system of control that indicates progress. Monitor's payments received on delinquent accounts and applies more stringent loss mitigation actions when necessary. Employs legal processes to be initiated and alternative collection methods to minimize credit union loss exposure.
Contribute to the proper framework and management controls – including metrics, quality assurance/control, and capacity planning; drive innovation in process excellence internally and with 3rd party servicers/agencies
Handles escalated questions from members, employees, and vendors. Interfaces with credit union departments as needed to determine the most effective method of maximizing recovery
Fortify best practice and regulatory requirements on the servicing and collections of First Mortgages, Home Equity's, Member Business Loans, and all Consumer loans
Oversees loss mitigation activities are completed to maintain delinquency ratios set forth by senior management.
Provide guidance to the REO/Foreclosure Specialist to ensure safekeeping and maintenance of acquired properties, included but not limited to eviction, clean up, securing, preparing property for sale. and disposing of the property
Proficient operation of technology used in the Consumer and Mortgage Lending
Keeps the allowance committee apprised on all loan losses.
Credit Migration – Credit Disparagement - Monitors and review open-end lines of credit and credit cards, based on a member's most recent credit score and other characteristics. Reduces or cancels credit limits in conformity with current lending guidelines; ensuring prompt delivery of a correct adverse-action notice is delivered to members.
Assist AVP with managing the Loan Servicing Department tasks of loan boarding, statements, escrow analyses, quality control/assurance of loan servicing operations, sub servicer management, MERS, force placed insurance tracking and personnel management
Assist AVP of Loan Servicing and Credit Resolution with the Loan Servicing Department as needed
Assist the AVP of Loan Servicing and Credit Resolutions with compiling data to prepare reports on loan files to recommend for sale on secondary market
Assist the AVP of Loan Servicing and Credit Resolutions with compiling data to prepare reports for loans for participation purchase
Oversees payment and balancing of system amounts corresponds to general ledger and accounting department instructions.
Perform monthly employee call and account QA/QC – audit for service quality and regulatory compliance
Manages the controls of third-party agencies as it relates to payment collections and risk exposure
Manages third party mortgage sub servicer DMI –Completes QA/QC and Performance Audit
Works with other management and their staffs, to ensure harmony and services levels are maintained in all aspects of lending. Works with other operational areas of the credit union to achieve corporate goals.
Works with the AVP of Loan Servicing and Credit Resolutions to enhance overall team experience and lending process.
Performs such other functions and tasks as assigned by AVP of Loan Servicing and Credit Resolution and executive management.

Education and/or experience:
Associates Degree (AA) degree. or equivalent plus 3 years' collections experience. Advanced knowledge of member business, real estate/mortgage and consumer lending.

*ONLY FULLY COMPLETED APPLICATIONS WILL BE CONSIDERED*
**SEE RESUME ON APPLICATIONS WILL NOT BE CONSIDERED**
SILVER STATE SCHOOLS CREDIT UNION IS AN EQUAL OPPORTUNITY EMPLOYER (EOE)
DRUG-FREE WORKPLACE

Benefits available.