Andrews Federal Credit Union

About Andrews Federal Credit Union

The Commercial Collector is responsible for meeting with clients, performing collections calls and/or correspondence in a goal-oriented environment on delinquent CRE, C&I and SBA borrowers. ESSENTIAL DUTIES Providing portfolio management of assigned commercial customers. Working with assigned portfolio clients to coordinate the accumulation of all information required to perform reviews. Communicating regularly and effectively with borrowers that are seriously delinquent to identify and counsel them on the best workout options available. Reviewing loan files to ensure the completeness of the file and that all collateral has been secured properly. Negotiate workouts with all involved parties (borrowers, guarantors, SBA, and any other participants, etc.) from initial workout request to final close of workout. Preparing credit presentations/memos as appropriate related to portfolio clients including financial and collateral analysis. Recommending risk rating changes as appropriate. Providing customer service regarding collection issues. Researching delinquent accounts including documentation and file review and coordinate the optimum method to ensure receipt of payments. Resolving customer discrepancies and short payments. Ensuring through constant monitoring the potential accounts that could become non-accruing and/or require specific reserve allocations through the impairment process are identified and managed. Ensuring all credit and collection policies, procedures, practices, and documentation meet federal and state regulations. Participate in site inspections and joint business development calls. Performing other duties or special projects as required or as assigned. EDUCATION Bachelor’s degree in Business Administration, Finance, Accounting or related field. REQUIRED EXPERIENCE Four or more years of Portfolio Manager experience in managing commercial loan accounts. Advanced knowledge of loan structuring, underwriting, documentation, credit and credit risk management. Experience in identifying documentation risks, addresses, and /or negotiating them to resolution as well as determining when to elevate risk situations to the appropriate individuals. Formal Credit Training is preferred. Working knowledge of financial statements, and ability to identify trends and risks. Highly accurate data entry skills and strong level of skill working with a variety of PC and internet applications, including Excel, Word, and PowerPoint and the ability to navigate key industry specific Internet sites. Strong multi-tasking, time management, thoroughness, and accuracy skills required. Solid communication and organizational skills with focus on teamwork and cooperation. A high level of confidentiality required. Working knowledge of federal and state banking regulations. Knowledge of credit union and/or banking and regulatory policies, processes, procedures and standards preferred. Ability to work under deadlines with frequent interruption. Some travel is required. PHYSICAL REQUIREMENTS Requires the ability to sit at a desk and computer for extended periods of time and must be able to lift 25 pounds. Minimal noise level in a fast paced open office environment with light traffic. In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization. Job Type: Full-time Experience: Underwriting: 1 year (Required) Portfolio Management: 4 years (Required) Education: Bachelor's (Required) Work authorization: United States (Required) Work Location: One location Benefits: Health insurance Dental insurance Vision insurance Paid time off Tuition reimbursement

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