Collections Representative

Job Description

Collect delinquent accounts in a timely, orderly and professional manner while following all standardized collections procedures. Make supervisor aware of problem accounts that may result in repossession, foreclosure, or charge-off.

Essential Duties And Responsibilities

• Meet performance expectations for collection efforts for assigned accounts based upon individual goals and objectives, e.g., a minimum calls per day, contact percentage, promises/calls ratio, promises kept.
• Place or receive calls in priority order as established by management.
• Negotiate payment arrangements with clients to cure delinquency, evaluating ability and willingness to pay.
• Navigate and interpret various screens and relay information to clients accurately and professionally.
• Document all collection efforts for each assigned account in accordance with established procedures, which may include using action and reaction codes, rescheduling feature, “scratch pad” entries, etc. in the collection system.
• Communicate collection efforts to branch lenders on assigned accounts in accordance with established standards, if applicable.
• Order updated credit bureau report or initiate skip tracing process in accordance with established standards.
• Initiate extensions on accounts based upon written policy guidelines.
• Communicate regularly with collections supervisor on status of problem accounts in accordance with established standards.
• Ensure that all delinquent accounts and assigned queues have been thoroughly worked according to standardized collection procedures.
• Ensure that appropriate letters are sent to debtors.
• Process customers’ payments through electronic draft, if applicable.
• Process account maintenance transactions according to established guidelines

Must Have Skills/Attributes

• Call Center
• Collections Experience
• Auto or Credit Card Collections (2+ yrs)
• Good verbal and written communication skills
• Good decision-making and problem-solving skills
• Good time management/organizational skills
• Ability to utilize Microsoft applications, including Outlook, Word, Excel, Access, and PowerPoint
• Ability to work in a team environment
• Ability to work flexible schedule, including overtime as needed
• Stable work history

Required Minimum Education

High School Diploma or equivalent

Desired

• Auto or Credit Card Collections (2+ yrs)

Benefits

For information and details on employment benefits offered with this position, please visit here. Should you have any questions/concerns, please contact our HR Department via our secure website.