Empower FCU Purpose

At every stage of life, positively impact members by providing affordable financial services.

Empower FCU Core Values

• Fairness
• Integrity & Honesty

Empower FCU Strategic Pillars

• World-Class Employee Experience
• Best-In-Class Member Experience
• Growth for Impact
• Shared Value in the Community

Empower Federal Credit Union offers excellent benefits including...

• Medical and Dental Insurance
• 401K with Employer Match
• Holiday Pay
• Paid Time Off
• and more!

A World-Class Employee Experience

We are at our best when we are developing genuine relationships, looking out for one another, freely and honestly sharing information, and working together. We succeed when we rise above our departments, roles, and individual interests to come together, to move forward together. Each of us plays a crucial role in creating a positive work environment and we encourage all our employees to actively contribute to embracing Empower’s values and supporting those around you.

Be Yourself, Belong with Empower

The strength of Empower is in the unique backgrounds, voices, talents, & experiences of each person. With a culture of belonging, we enable teamwork, spark innovation, and fuel success.

Please note: All candidates will be subject to a background check to determine employment eligibility. For roles that require an NMLS you may be subject to a credit check.

Role

The Real Estate Loan Adjuster III is a senior-level collections professional responsible for independently managing an assigned portfolio of delinquent first mortgage, home equity, and other real estate-secured loans through resolution or appropriate default action. The role works directly with members to identify the cause of delinquency, evaluate repayment capacity, collect payments, develop sustainable repayment arrangements, and complete timely follow-up. Responsibilities also include assigned hardship and loss-mitigation processing, loan modifications and forbearance plans, foreclosure preparation and follow-up, bankruptcy-related account administration, delinquent property tax and collateral matters, secondary-market and investor requirements, and coordination with Legal and Mortgage Servicing. The employee is accountable for accurate documentation, required notices, critical deadlines, and completion of assigned work within established procedures, training, and approval authority. Decisions requiring management or Legal authorization must be escalated without relinquishing responsibility for assigned follow-up.

Location

Our headquarters are based in Syracuse, NY. We work in a Hybrid Model requiring a minimum of 5 days in office per month.

Salary

The hourly pay range for this position is: $24.89-$37.33

Essential Functions & Responsibilities

• 40% Real Estate Delinquency & Portfolio Management
• 20% Financial Review, Member Resolution & Loss Mitigation
• 20% Real Estate Default & Servicing Responsibilities
• 10% Documentation, Controls & Reporting
• 5% Cross-Training & Business Continuity
• 5% Training, Quality & Process Improvement
• 5% Portfolio Trend Analysis
• 5% Professional Development & Additional Duties

Performance Measurements

See Dayforce (HRIS) Performance Management for Goals upon start in role, and annually.

Knowledge and Skills

Experience: 3 to 5 years of progressively responsible experience in collections, mortgage servicing, real estate default, loan servicing, or asset recovery.

Education: A high school diploma or GED is required. Additional education, specialized training, or relevant industry certification is preferred.

Interpersonal Skills

Member Experience, Professional Conduct, and Quality Expectations: Employees in this role are expected to represent Empower FCU with professionalism, integrity, fairness, and accountability in all interactions with members, internal partners, vendors, attorneys, and third parties.

Other Skills

Strong understanding of collections practices, delinquency management, payment arrangements, and account resolution.

Physical Requirements

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The noise level in the work environment is usually moderate.

This Job Description is not a complete statement of all duties and responsibilities comprising the position.

Equal Opportunity Employer

Empower Federal Credit Union is an equal opportunity employer and does not discriminate on the basis of any legally protected status or characteristic.