Loan Delinquency Policy
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RPI EMPLOYEES’ FEDERAL CREDIT UNION (RPIEFCU) LOAN DELINQUENCY POLICY PROCEDURE January 23, 2012 I.. Collections Officer The Collections Officer shall be responsible for: reviewing collection procedures developed by management, reviewing, on a monthly basis, the report of delinquent accounts prepared by the credit union staff, Referring problem accounts and matters of policy related to delinquent accounts to the Board of Directors.. Reviewed 3/97 Reviewed 11/97 Reviewed 8/05 Reviewed 5/08 Reviewed 12/10 Reviewed and Approved 1/24/2011 Reviewed and Approved 1/23/2012 5 Appendix A Copies of Sample Delinquent Loan Letters 6 INITIAL CONTACT LETTER SAMPLE Date Name Address City, State, Zip Dear Name: Your loan account is past due.. Sincerely yours, Joanne Esposito Manager Cc: Chair, Credit Committee 8 THIRD CONTACT LETTER SAMPLE Date Name Address City, State, Zip Dear : I write to remind you of our contractual agreement with regard to your delinquent loan account.. Sincerely yours, Joanne Esposito Manager Cc: Chair, Credit Committee 9 FINAL CONTACT LETTER SAMPLE CERTIFIED MAIL –RETURN RECEIPT REQUESTED Date Name Address City, State, Zip Dear : Your Credit Union Loan dated (origination date) is in default..
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