Call past due members to collect on delinquent secured accounts to minimize credit union lossesPrepare extension requests for members with hardships by gathering credit info & determining reasons for harshipsSet up courtesy pay repayment plans for negative checking accountsCharge off 45 day past checking accountsReport charge off accounts to outside credit reporting agenciesHandle all member questions about their accountsProvide teller over rides after determining if there is adequate reason to do so