Join Our Team

Collections Officer

Pay Rate: Salary Range | $20.40 - $26.00 per hour

Location: Waipio

The Collection Officer is responsible for the collection, recovery, and handling of all delinquent loans. The Collection Officer is required to safeguard the Credit Union’s interests and assets by any and all legal means possible while adhering to all applicable federal and local collection laws and regulations.

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ESSENTIAL DUTIES AND FUNCTIONS

Contacts members by phone, mail, or in person in order to inform the member of their delinquent loan status and establishes an action plan or workout to cure the delinquency.
Identifies problematic issues, trends and potential problems with delinquent loans, loans paid ahead six months or more, and reports such findings to the Collections Manager.
Conducts thorough skip-tracing methods and research on delinquent and/or charged-off recoverable loans in order to obtain new contact information, leads, and to increase the recovery of loan losses.
Prepares and sends required collection notices, or letters in a timely and effective manner.
Responsible for maintaining record and documentation of all collection efforts and member contacts detailing promises, agreements, and establishes an effective follow-up system.
Works with PHFCU attorneys, approved vendors or third party agencies and attorneys on accounts that may require legal proceedings, judgments, repossessions, and foreclosures.
Responsible for the processing and handling of Vehicle Transportation Authorizations requests and maintains record of each request.
Responsible for the processing and handling of all Loan Protection, Collateral Protection, GAP, and Service Contract claims, rebates, and refunds.
Responsible for the maintenance of all collection account files and loan information in a confidential manner.

OTHER DUTIES AND FUNCTIONS

Conducts every aspect of this position, involving interpersonal relations, in line with the concept that all personnel, staff, shareholders and visitors are afforded full and equal treatment in all matters without regard to race, creed, color, sex, sexual orientation, age, national origin, lawful political affiliation, physical handicap or marital status.
Periodically serves on various credit union committees (ie. Safety, Social Events, etc.)
Performs such other duties and responsibilities as may be prescribed by the Collections Manager, VP Loans, and/or President/CEO.
Pursues a program of:
- Self-Development.
- Utilizing such training and education as may be required by the credit union:
  - in connection with this position;
  - for career development.
Ensures a secure, neat, clean and safe work area.

WORKING CONDITIONS

Equipment Used

Personal computer
10-key calculator
Telephone
Typewriter
Fax Machine
Copy Machine
Document Scanner
Printer
Microfiche Machine

Work Hours

Varies dependent upon shift and the needs of the Collection Department
Over time may be required
Work hours and days are subject to change

MENTAL DEMANDS

Requires the application of sound decision-making principles, logical thinking and good judgment.
Requires alertness, concentration and attention to detail.
Requires the use of good judgment when dealing with difficult or uncomfortable situations and members.
Requires verifying information and documents for accuracy.

COMMUNICATION DEMANDS

Ability to communicate clearly both orally and in writing with members, peers, and managers.

PHYSICAL DEMANDS

Requires sitting at a work station for periods of up to 4 hours (without a break).
Requires data entry/key punching and mouse skills to complete daily work.
Ability to view and correctly interpret, numbers, text and images on a computer screen.
Requires the use of various office equipment to perform duties.
Requires working beyond the 8-hour day periodically.
Requires lifting and carrying up to 40 pounds.

QUALIFICATION REQUIREMENTS

Skills/Knowledge

Ability to learn and apply learned skills.
Ability to work and communicate with all types of people.
Ability to use a computer keyboard.
Ability to type 40 WPM.
Ability to operate a 10 key calculator.
Knowledge of basic math skills.
Ability to work and collaborate cooperatively with members, co-workers and management.
Must be bondable.

Education/Training

High School graduate or GED equivalent required

Experience

One year or work experience as a Collections Officer (or comparable position); or
Three consecutive years or more of satisfactory employment at Pearl Hawaii FCU. Note: upon applying for position, the last three years of employment will be reviewed and considered.
One year of experience in the field of consumer credit preferred.

Training

Must be willing to attend/participate in any training necessary to learn/update skills or knowledge required for the position.

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JOIN THE PEARL HAWAII TEAM

Want a career with a great team and an employer who pays you to take the day off on your birthday!? Yup, we do! At Pearl Hawaii Federal Credit Union, we value and appreciate each employee. Without stellar people like you, we wouldn’t be in business. Interested in becoming a part of our team? Applying just might be your next best move.

UPGRADE YOU

Fully Paid And Robust Medical With Drug, Vision, Dental, Chiropractic, Acupuncture, Massage, Discounted Gym
Generous Paid Time Off
Life & Disability
401(k) Retirement plan
Financial Perks
Parking Is Paid
Professional Development
Tuition Assistance
Learning Opportunities
Personal Support
Recreational
More Details Below…

NOT YOUR AVERAGE CAREER

We love what dedicated employees bring to the table, so we do what we can to take good care of each one.

We believe going to work should translate into a better life all around. We know when you’re able to find balance, you have more to offer. That’s why we provide amazing benefits and some of the best pay on the island—what helps you helps us. Take a look at some of our favorite ways to treat our employees well.

BENEFITS

HEALTH INSURANCE

Robust medical package for all full-time employees which includes medical, dental, vision, drug, chiropractic, acupuncture, massage therapy, and discounted gym membership. Minimal cost for added family members.

Employee choices include HMSA, Kaiser, and Medicare Waiver Incentive.

Robust premium insurance package with a coverage that includes Health, Drug, Vision, and Dental. Plan includes Chiropractic, Acupuncture, and Massage Therapy riders. Also, plan includes discounted gym memberships.
Employee only – No cost to employee
Employee & 1 dependent – Employee pays $50 per month
Employee & family – Employee pays $50 per month

LIFE & DISABILITY INSURANCE

Premium for Group Life Insurance – No cost to employee (Benefit is equal to 150% of annual pay).
Premium for Group AD&D Insurance – No cost to employee (Benefit is equal to 150% of annual pay).
Premium for Long Term Disability Insurance – No cost to employee (Benefit is equal to up to 66% of base salary until normal retirement age).
Premium for Group TDI Insurance – No cost to employee (Benefit is regulated by law). TDI is for illness or disabilities exceeding seven calendar days, such as pregnancy or non-work-related injuries. The employee shall receive payment up to the State maximum benefit amount, which will be 58% of the employee’s average weekly wage. TDI covers a maximum of 26 weeks.

FLEXIBLE SPENDING ACCOUNT

Flexible Spending Account, which allows employees to pay certain qualified expenses (such as health insurance premiums, co-pays, prescriptions, dependent care expenses) on a pre-tax basis thereby reducing their total taxable income and increasing their spendable/take-home income.

PAID TIME OFF

Generous vacation and sick leave
11 Federal Holidays and half days on Christmas and New Year’s Eve.
Your Birthday… yes, we celebrate you!
Administrative leave for full-time employees who need to renew base access cards or to donate blood.

FINANCIAL PERKS, RETIREMENT, PLUS MORE!

Excellent 401k Retirement Plan, which includes 100% matching contribution of up to 6%.
Profit Sharing Contribution (Discretionary and requires yearly approval).

PERSONAL SUPPORT

College tuition assistance upon approval. When an employee takes a course at a college or university that is related to their job, the employee will be reimbursed for tuition dependent upon grade achieved.
Employee Assistance Program (Confidential Counseling Service).
Additional provided classes or webinars available through FEAH, Hawaii Credit Union League, and other vendors.

RECREATIONAL

Staff is invited to participate in community activities.
Social Events – Company allots funds per year for staff activities and events.
Regular games, contests, and morale building activities (Food is important to our company culture).

STEP 1

Complete an application online or fill and print the application.

STEP 2

Send or Email your application and resume to Careers@phfcu.com
Drop it by any of our branch locations
Send it in the mail: PEARL HAWAII FEDERAL CREDIT UNION, Attn: Human Resources Dept., 94-449 Ukee Street, Waipahu, HI 96797

apply

CULTURE + PHILOSOPHY

OUR PURPOSE

BUILDING TRUST, NURTURING DREAMS, AND INSPIRING HOPE. ONE MEANINGFUL EXPERIENCE AT A TIME.

OUR CORE VALUES

TRUST

Employee Focus | We perform all our actions with integrity and excellence.
Customer Focus | We always do the right thing; we listen to you and your needs and look out for your best interests.
Leadership Focus | We believe in you and empower you to take action and make decisions. We have your back at all times.

NURTURE

Employee Focus | We encourage teamwork through respect and collaboration.
Customer Focus | We build genuine relationships with our community and help them fulfill their dreams.
Leadership Focus | We foster ingenuity and passion through mentoring and guidance.

INSPIRE

Employee Focus | We are stronger together, look after each other, and commit to bringing a positive mindset to every interaction.
Customer Focus | We make a difference in our community by helping our members find solutions that positively impact their lives.
Leadership Focus | We are excited to enhance our employees’ well-being by developing their skills and abilities and providing an environment that allows everyone to grow.

BUILD YOUR CAREER

Pearl Hawaii is an Equal Opportunity Employer

Pearl Hawaii Federal Credit Union is an Equal Opportunity Employer. That means all team members are treated equally regardless of race, color, religion, national origin, age, sex, marital status, sexual orientation, ancestry, citizenship, veteran status, disability, arrest, or court orders. If you are legally authorized to work in the United States, check out our employment opportunities. See a position you like and are qualified for? Don’t hesitate to apply! We look forward to reviewing your application and resume.

STILL NOT CONVINCED?

If you’re not already keen to apply after reading all that, here’s another fun fact:

Pearl Hawaii was listed as one of the Best Places to Work by Hawaii Business Magazine in 2016, 2017, 2018, 2019, 2020, & 2021. Forbes Best in 2020. Join our community to find out why.

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UPGRADE YOU.

Building trust, nurturing dreams, inspiring hope. From home or car loans to Hawaii’s most innovative banking services, Pearl Hawaii is committed to you. Bank at any of our Oahu locations in Waipahu, Ewa Beach, Waianae, Honolulu, Pearl Harbor, or near the Airport. Additionally, you can bank using PHFCUOnline just like one of our branches. To contact us, call us at 808.737.4328, toll-free at 800.987.5583, or email us at MyFamily@phfcu.com.