The purpose of this job is to maintain an effective collections effort on an assigned group of accounts/loans resulting in fewer delinquent loans and minimizing losses. This position may be a front end or back-end collector depending on business needs.

Activities and duties may vary depending upon functional area assigned, mainly responsible for simple to moderately complex consumer or commercial accounts/loans. This position requires moderate supervision
• Conducting inbound or outbound collection calls utilizing a predictive dialer, preview or other technology
• Negotiating payment terms for delinquent accounts and accurately notating the account following departmental procedures
• Assisting with difficult collection problems such as: payment disputes, alternative payment arrangements, CCC, out of policy extensions, Insurance claims, foreclosure, or repossession request, etc.
• Recognizing problem accounts/loans, alerting management, and providing input on a suitable course of action
• Perform additional duties as assigned.

• High School and/or some college education
• Three or more years of related collection experience, working similar consumer, mortgage or commercial products.
• Upper-level knowledge and understanding of collection industry standards including a working knowledge of the Privacy Act and Fair Debt Collection Practices Act, Bankruptcy, repossession, including replevins, foreclosure and other consumer credit laws affecting collection of debt
• General knowledge of the lending process
• General knowledge of credit bureau reporting
• Good communication and interpersonal skills
• Strong organizational and analytical skills
• Good judgment
• Strong negotiating and decision-making skills
• Strong PC skills