• Reports to CFO

    Summary The Assistant Manager

    – Accounting will assist the Chief Financial Officer with responsibility for the daily oversight and management of the Accounting Department. Key objectives of the position include successful management and training of the daily activities of the Accounting Department staff to deliver expected results as outlined by American Partners Federal Credit Union’s strategic plans and direction; foster and promote a positive, collaborative culture across his or her team and all other departments and teams across the credit union.

    Essential Functions

    Lead the credit union's Accounting and Deposit Operations teams consistent with strategic initiatives, rules and regulations.

    To be effective, an individual must be able to perform each essential duty successfully. • Assists the department and oversee assigned department functions to help ensure normal functioning of the department.

    • Assists to establish performance goals and measures to ensure quality service standards are met and exceeded.

    • Assists to train, supervise and evaluate direct reports to promote quality service, accuracy and efficiency throughout the department.

    • Assists with interviewing and hiring employees; plan, assign and direct work; appraise performance in timely fashion; reward and discipline employees in a timely fashion; address escalated complaints and resolve problems.

    • Assists in timely preparation of reports to reflect the financial position of the credit union

    • Assists in the development of procedures for new accounting projects to facilitate the flow of work within the department.

    • Reviews reconciliations of general ledger accounts completed by department employees to ensure proper use of accounting principles.

    • Makes adjusting and/or correcting entries to accounting records to maintain accuracy in the accounting records.

    • Enhances the automation of the accounting department through effective use of available technology.

    • Resolve discrepancies by checking all possible sources of disagreement, reconstructing probable actions, and recognizing the effect on other accounts; prepare correction documents as required • Work with Accounts Payable: A/P invoice matching & filing, vendor invoices and disbursement filing

    • Overall accounting: help with G/L account reconciliation and month-end closing, other ad hoc projects

    • Assist with loan portfolio reports, communications and special projects.

    • Knowledge of credit union products and services, sufficient to identify and assist with member and prospect needs; conduct sales/service dialogue with current and potential members.

    • Display and foster a spirit of collaboration and team-oriented communication by establishing and maintaining positive working relationships across all levels of the credit union including peers, the branch network, support staff departments and senior management.

    • Promotes and establishes strong, positive, and productive working relationships within the organization through communication and a commitment to the company’s vision statement, core values, and business principles.

    • Successful completion of in-house training programs within one year, or other established time frame, of accepting the position.

    • Performs other duties as assigned

    Performance Measurements:

    • Maintains effective communication and high-performing, cross-functional partnerships with senior-level executives, business lines, and internal members through positive influence.

    • Ensure the department meets established goals

    • Has fun and recognizes team members and members.

    • Assist CFO to establish and achieve management development objectives and goals for all staff Education and Experience

    • BA or BS/BA in Accounting or related field preferred

    • Five to seven years similar or related experience.

    • Equivalent to a college degree (AA or BA/BS in a relevant field).

    Other Skills and Abilities

    • In-depth knowledge and experience in accounting and Automated Clearing House (ACH) processing.

    • Exceptional interpersonal and oral communication skills. • Strong technical skills. Fiserv core system XP2 experience highly desired.

    • Strong knowledge and experience in all MS Office Suite products including Excel spreadsheets; reporting, financial analysis, process mapping and designing for efficiency improvements.

    Supervisory Responsibility

    This position will supervise employees and members of the accounting department.

    Work Environment

    While performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise. Most roles require working in an office setting with moderate noise and the ability to lift 25 pounds.

    Travel

    Ability to travel to various worksites and on-call may be required. Some overnight travel may be required.

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  • Reports to COO or VP Operations

    Summary

    The Collections Specialist will ensure that the credit and collection policies and procedures of the credit union best serve the credit union and its members. This role will optimize collections on accounts while balancing the goodwill of our members with the overall business interests of the credit union. This position will ensure strict compliance with state and federal credit collection rules and regulations in all collection practices. In addition, this position will be responsible for ensuring the credit union meets established goals and objectives with respect to collections.

    Essential Functions

    • Ensure that credit and collection policies, procedures, practices, and documentation meet federal and state regulations.

    • Establish and monitor effective control procedures for late and/or delinquent or potentially delinquent loans. Determine when to charge to reserve.

    • Monitor payments for late and/or delinquency status. Follow up on delinquent, high-balance, and overdue credit balance accounts by letter and/phone. Home visits may be made on occasion. Ensure courteous, considerate, and professional interface with members at all times.

    • Contact high-balance and/or delinquent members by telephone and mail to determine the reasons for balance or delinquency and assist them in developing plans to bring accounts to a current status. Develop workout plans and collect on overdue accounts wherever possible.

    • Review accounts where action beyond routine collection procedures must be approved or implemented. Handle complex situations. Resolve difficult or nonroutine member issues.

    • Process all correspondence for collections department, ensuring accuracy of work.

    • Process or supervise mailing of payment notices, ensuring that credit union errors are detected promptly and are corrected.

    • Provide members with a complete explanation of the loan’s status as requested.

    • Review all billings from attorneys retained for collections work. • Notify co-signers regarding status of delinquent accounts.

    • Update and maintain files and system accounts via the credit union’s delinquent loan recovery system.

    • Maintain detailed written records of all communications regarding delinquency.

    • Secure credit bureau reports. Perform skip tracing duties on loan accounts as required. Maintain accurate data for repossession log, bankruptcy filings, chargeoff lists, etc.

    • Determine when to compromise and settle outstanding balances and when to initiate foreclosure or repossession proceedings.

    • Research payroll deductions and changes as they may affect the status of a loan repayment.

    • Assist members with delinquent real-estate loans to resolve delinquency.

    • Determine when loan collateral should be repossessed and serve as liaison with attorneys or agencies in handling repossession of collateral.

    • File all claims, attend hearings, and coordinate with trustees for all bankruptcy filings.

    • Investigate and correct discrepancies in loan applications and credit bureau reports. • Authorize legal proceedings. Review default notices, surrender notices, bankruptcy procedures, foreclosure notices, etc. for accuracy and completeness.

    • Review all accounts that are to be written off as uncollectible.

    • Develop and review accurate reporting procedures on collection activities. Prepare and analyze reports for senior management and/or the Board of Directors.

    • Establish and maintain effective employee relations.

    • Maintain knowledge of credit union products and services, sufficient to identify and assist with member and prospect needs; conduct sales/service dialogue with current and potential members.

    • Assist in preparing, implementing, and supervising the budget for the department that is consistent with the overall strategic plan and budget of the credit union.

    Performance Measurements:

    • Provide outstanding service to internal and external members as defined by the credit union’s service standards and promises.

    • Establish and achieve development objectives and goals for the department.

    • Ensure the collection department reaches or exceeds the credit union’s established delinquency recovery goals.

    • Ensure that all collection activity is within established policies and guidelines.

    • Keep management informed regarding key operational issues affecting the department.

    • Successful completion of in-house training programs within one year, or other established time frame, of accepting the position.

    • Maintain knowledge with ongoing training. 

    Education and Experience

    • Five to seven years of similar or related experience.

    • Equivalent to a college degree (BS or BA in a relevant field). The ability to motivate or influence others is a material part of the job, requiring a significant level of diplomacy and trust. Obtaining cooperation (internally and/or externally) is an important part of the job and a high level of interpersonal skills are critical to the success of this position. Work frequently involves contacts requiring considerable discussion of problems and resolving issues impacting departments or divisions.

    Other Skills and Abilities:

    • Knowledge of Credit Union operations and ability to integrate and communicate critical information.

    • Strong leadership, coaching, and mentoring skills to effectively develop, challenge and motivate other collection department staff.

    • Excellent written and verbal communication skills.

    • Organized, self-starter, innovative, and team-oriented.

    • Effective human relations skills in order to maintain positive and productive working relationships with all APFCU departments.

    • Committed to the credit union’s Mission and Vision Statements, and Core Values.

    Work Environment

    While performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise. *Most roles require working in an office setting with moderate noise and the ability to lift 25 pounds*.

    Travel

    Ability to travel for member home visits and for representing the credit union during legal proceedings.

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