Applying Collection Practices course (online)

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A1014

May. 24, 2013 

Lending is central to the mission of every credit union which is why effective collections are so important. These interactive courses will show you how to apply your skills and knowledge in collection practices. Learn about best practices in protecting your credit union and members assets. You will also discover how technology innovations are reforming existing collection practices.

This is a CUNA CU Advance course through CUNA CPDOnline and contains individual courses for $35 each.

Course participants will have an option of taking a pre-assessment to determine which courses are needed for his or her skill level. A comprehensive exam for all 6 courses can be purchased for $24.50 through CUNA CPDOnline.

Estimated length of course: Each individual course is 20-30 minutes.

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A1014

May. 24, 2013 

A comprehensive exam for all 6 courses can be purchased for $24.50 through CUNA CPDOnline.

Credit and Collections:

  • Discuss the history and development of consumer credit in the United States
  • Identify four characteristics of successful collections professionals
  • Define installment and noninstallment credit, open-end and closed-end credit, and secured and unsecured loans
  • Explain the most common methods used by credit unions to control delinquencies
  • Outline four major regulatory provisions that impact the credit and collection professional

Credit and Collections Policies:

  • Outline the importance of clear credit policies, and the three steps necessary to ensure appropriate account set up
  • Identify three steps used in following up on delinquent accounts
  • Explain the board and coworkers responsibilities for creating and maintaining credit union collections policies and philosophy
  • Describe three qualifications of an effective collector and their ongoing accounts receivable responsibilities

Developing a Collections System:

  • Describe and explain collections systems and identify delinquent accounts
  • Define the five collections classifications
  • Develop a culture of paying by conveying and enforcing loan terms clearly to members
  • Exercise a consistent system of note taking and recordkeeping
  • List the five steps involved in establishing good loan policies, delinquency recognition, and follow up collections procedures

Early Warnings and Final Actions:

  • Recognize the early warning signs of delinquency and member trouble
  • Understand Maslow's hierarchy of human needs and how they relate to the collection function
  • Describe collections procedures credit unions typically use to reach members and bring loan accounts current
  • Highlight the eight steps of the collections call and strategize the inherent challenges and advantages
  • Discuss the alternatives available to credit unions instead of legal collections measures
  • Create an information base to use in skip tracing members who relocate to avoid confronting their responsibilities

Legal Action and Outsourcing Alternatives:

  • Identify when attorneys should be retained and how they may be compensated for their legal services in collections activities
  • Describe and explain various legal actions, including replevin, money judgments, deficiency judgments, and garnishment
  • Review the steps required when choosing an agency, and the advantages of outsourcing to a third-party firm
  • Determine if the sale of charged-off loans may be beneficial to your credit union
  • Explain the purposes of federal bankruptcy laws, the differences between Chapter 7 and Chapter 13 bankruptcy cases, and the changes offered in the 2005 amendments

Best Practices:

  • Explain the differences between poor collection practices and productive ones
  • Outline four strategic methods to leverage maximum recovery in the collection process
  • List six best-in-class practices to optimize operations
  • Describe the importance of measuring net delinquency
  • Review the pros and cons of four online tools available to today's collection professional
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A1014

May. 24, 2013 

Recognition

Recognition opportunities are offered at various training milestones with CUNA designations and certificates.

College Credit

Select courses are recommended for college credit for students who pass proctored, college-level exams and carry college credit recommendations.

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A1014

May. 24, 2013 

CUNA courses are a simple, affordable way to provide current, real-world training to your credit union. Courses are available in print and/or online through CUNA CPDOnline. With hundreds of courses to choose from, you're sure to find learning materials to fit your credit union's needs. See a full course list.

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CUNA is committed to providing a quality learning experience. If for some reason you are not fully satisfied, contact us and we'll provide you a full tuition refund or credit.

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We’d be happy to help you find what you're looking for.EMAIL OR CALL
  800-356-9655, ext. 4072
 

Questions? Contact Us

We’d be happy to help you find what you're looking for.EMAIL OR CALL
  800-356-9655, ext. 4072
 

Questions? Contact Us

We’d be happy to help you find what you're looking for.EMAIL OR CALL
  800-356-9655, ext. 4072
 

Questions? Contact Us

We’d be happy to help you find what you're looking for.EMAIL OR CALL
  800-356-9655, ext. 4072
 

Questions? Contact Us

We’d be happy to help you find what you're looking for.EMAIL OR CALL
  800-356-9655, ext. 4072
 

Questions? Contact Us

We’d be happy to help you find what you're looking for.EMAIL OR CALL
  800-356-9655, ext. 4072
 

Questions? Contact Us

We’d be happy to help you find what you're looking for.EMAIL OR CALL
  800-356-9655, ext. 4072
 

Questions? Contact Us

We’d be happy to help you find what you're looking for.EMAIL OR CALL
  800-356-9655, ext. 4072
 

Questions? Contact Us

We’d be happy to help you find what you're looking for.EMAIL OR CALL
  800-356-9655, ext. 4072
 

Questions? Contact Us

We’d be happy to help you find what you're looking for.EMAIL OR CALL
  800-356-9655, ext. 4072
 

Questions? Contact Us

We’d be happy to help you find what you're looking for.EMAIL OR CALL
  800-356-9655, ext. 4072
 

Questions? Contact Us

We’d be happy to help you find what you're looking for.EMAIL OR CALL
  800-356-9655, ext. 4072