Accounts Recovery Manager

Are you a Leader?  Do you believe in Cooperation?  Are you personally governed by the following principles?

The 7 Cooperative Principles

Principle #1 (Inclusiveness): Membership Should Be Open To All
Principle #2 (Voice): Members Should Call The Shots
Principle #3 (Participation): Rates & Fees Should Benefit Our Members
Principle #4 (Independence): Autonomy & Independence Set Us Apart
Principle #5 (Education): Financial Education Should Be Free & Available To All
Principle #6 (Cooperation): Cooperation Among Cooperatives Is Vital
Principle #7 (Community): Giving Back To The Community Is An Obligation

If any of those sound like you, you might very well make a fabulous addition to the Seattle Metropolitan Credit Union (SMCU) Cooperative!  SMCU is a growing organization and our mission statement is, “We help members achieve their financial goals to realize their dreams.”  At SMCU, it is our employees who truly make us a success.  After all, it is our staff members who directly provide the excellent service our membership expects and deserves.

Please visit to see a full job description, benefits summary and to learn more about the credit union.  Also, find out a little more about the culture of organization by visiting the following sites, and

To apply please send your resume to

Role at SMCU

Your role as the Accounts Recovery Manager is to manage the recovery of all delinquent loans, including secured and unsecured personal, real estate, and VISA loans; also manages the recovery of bad checks or other fraudulent deposits received by the credit union.

Essential Job Functions

  • Supervises the Accounts Recovery Department personnel, including hiring, training, reviewing, scheduling and other administrative duties.
  • Communicates internal policies and procedures to assure all activities comply with state and federal regulations.
  • Determines, carries out, and monitors appropriate collection and recovery measures.
  • Determines appropriate legal action.
  • Proactively contacts members with delinquent and/or at-risk loans to assure repayment.
  • Makes acceptable loan repayment arrangements with members who have delinquent loans.
  • Functions as resource for Accounts Recovery staff in determining acceptable loan repayment arrangements with members on their delinquent loans and bankruptcies.
  • Serves as resource person for inquiries pertaining to delinquent loans.
  • Analyzes delinquency and write-off data and recommends appropriate changes to loan policy, procedures and training.
  • Ensures that all checks returned to the credit union unpaid are properly paid or accounted for.
  • Assures the preparation of monthly delinquency and write-off reports.
  • Provides member remedial financial counseling upon request.
  • May represent the credit union in court.
  • Uses coaching as the primary tool for improving staff performance by holding regular coaching sessions and documenting results.
  • Completes Product/Service Knowledge Assessment within 90 days of employment with a score of at least 80% (Note:  The assessment may be taken as many times as needed to achieve this score).
  • Assists all subordinates in achieving a score of at least 80% on the Product/Service Knowledge Assessment.
  • Assists staff in maintaining department Internal Service Survey satisfaction ratings in accordance with credit union goals by providing high quality service based on our service standards
  • For the purpose of maintaining Credit Union goals, it is the responsibility of each employee to strive for the continuous quality improvement of processes and quality of service to internal and external customers.
  • Other duties may be assigned. 

Working Conditions

  • Work is performed in an office environment.  May be required to attend off-hours meetings and seminars.
  • Indirect exposure to robbery.



  • Typically requires a 2 year degree; 4 year degree preferred.
  • Comprehensive knowledge of local, state, and federal regulations including the Fair Debt Collection Practice Act and Reg Z, and Bankruptcy laws.
  • Consumer loan and credit card collections experience.
  • Working knowledge of Microsoft Office programs.
  • General knowledge of credit union operations, history and philosophy preferred. 


  • Excellent organizational skills.
  • Excellent written and verbal communication skills.
  • Excellent interpersonal skills. 


  • Ability to communicate with tact, discretion, and courtesy within and outside the organization.
  • Ability to handle stress in a high volume and fast-paced environment.
  • Ability to manage multiple tasks and priorities.
  • Ability to perform complex math calculations.
  • Ability to maintain confidentiality.
  • Excellent attendance.
  • Professional appearance and demeanor.


  • Must have at least five years experience in consumer loan collections in a credit union or other financial institution (three of which were in a supervisor capacity).

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed above are representative of the knowledge, skills and/or abilities required.  Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.


Posted in Awards.