Loan Advisor

About the role

DriveTime Family of Brands includes in-house financing and servicing through Bridgecrest, which is one of the country’s leading financial servicing providers. Bridgecrest services roughly $25+ billion in finance receivables for DriveTime and other third parties. We service auto loans across a wide credit spectrum with the intent of creating a strong path to vehicle ownership for our customers.

Responsibilities

• Collect past due payments and negotiate payment plans while maintaining positive relationship with customers.
• Create long term solutions to help customers maintain the quality of their loan while meeting or exceeding production goals.
• Make inbound and outbound contact with customers regarding past-due balances (generally 1-60 days).
• Educate, negotiate with, and build relationships with customers to influence them to make needed payments.
• Effectively navigate multiple systems to review account information, process payments and accurately notate accounts regarding contact.
• Utilize company resources to assist customers who are unable to make timely payments on their account to get back on the path to ownership.
• Contact, or attempt contact with, customers who are delinquent.
• Monitor and ensure regular follow up on all loan repayment agreements and analyze all customer accounts.
• Oversee all overdue accounts with help of automate systems and computers.
• Assist customers with debt repayment plans; including modifications and deferments.
• Listen to customer's story and determine if debt can be collected.
• Utilize computer systems to handle skip tracing.
• Maintain positive working relationships with the Loan Servicing team.

Requirements

• High School Diploma or GED
• 2+ years of experience in collections, financial services, and/or phone-based sales, customer service or customer relations
• Contact center experience in the financial services industry preferred
• Ability to pass a drug test and background check

Skills

• Must stay within Fair Debt Collections Practice Act guidelines on all communication with customers.
• Must be able to retain training instruction, implement feedback received, and adapt to any and all changes in processes, scripts, call flow, etc.
• Must practice strict discretion when dealing with sensitive customer and account information.
• Must be able to negotiate with customers, be familiar with and provide all applicable options and services available to them.
• Must be able to stay calm during escalated calls and treat all customers respectfully and with empathy.
• Must meet monthly Collection, Call Time, and Quality Assurance Goals.

Benefits

• Medical, dental, and vision insurance
• 401(K)
• Company paid life insurance policy
• Short and long-term disability coverage
• Tuition Reimbursement
• Wellness Program
• Competitive pay
• Game Room
• In-House Gym
• Social Events
• Paid Time Off