<p>Job Summary:</p> <p>Must be fluent in both English and Spanish. Responsible for contacting customers who are delinquent on their loan payment to obtain payment, make payment arrangements, or establish a repayment plan. Manage delinquency rates at a satisfactory percentage and maintain positive customer relationships. Manage bankruptcy accounts to ensure the bank is in compliance with both federal bankruptcy laws and internal policies and procedures.</p> <p>Primary Responsibilities / Job Duties:</p> <ul> <li>Reviews delinquent accounts daily. </li><li>Communicates with delinquent borrowers in attempt to obtain late payments and discusses circumstances causing delinquent status. </li><li>Determines solutions to resolve delinquent status and makes possible financial arrangements that would resolve temporary problems. </li><li>Documents all collection actions taken in system. </li><li>Maintains positive relations with all customers, discusses sensitive personal circumstances in a frank yet tactful manner. </li><li>Maintains control over delinquent accounts by maintaining a satisfactory percentage of past due accounts. </li><li>Reports delinquency status to management on regular basis. </li><li>Handles repossessions and legality assignments on accounts. </li><li>Maintains required tracking logs. </li><li>Monitors all bankruptcy accounts from receipt of the notice to the discharge/dismissal of each case. </li><li>Reviews "PACER" and Chapter 13 trustee websites to determine action needed. </li><li>Files timely proof of claims and reaffirmations. </li><li>Handles daily posting of trustee disbursements. </li><li>Properly documents accounts as correspondence is received. </li><li>Participates in and complete all required compliance training, including BSA/AML, as well as other internal and external training programs. </li><li>Participates in training new teammates as needed. </li><li>Performs other duties as assigned. </li></ul> <p>Position Requirements:</p> <ul> <li>Must be fluent in both English and Spanish </li><li>High School diploma or equivalent required. Bachelor's degree preferred. </li><li>Minimum of two 2 years' experience in collections, preferably in the finance industry. </li><li>Knowledge of state and federal collection laws and regulations. </li><li>Experience handling bankruptcies is strongly desired, including understanding of bankruptcy forms such as Proof of Claim and Reaffirmation Agreements. </li><li>Excellent verbal and written communication skills. </li><li>Strong problem solving and negotiation skills. </li><li>Basic computer skills; proficient in Microsoft Office Suite products. </li><li>Ability to work flexible hours, including Saturday, when needed. </li><li>Ability to work cooperatively in a team environment </li></ul> <p>Working Environment / Physical Demands:</p> <p>Work is performed in a professional office environment and requires the ability to operate standard office equipment and keyboards. Prolonged periods sitting at a desk and working on a computer. May require the ability to lift files, bend, reach, walk or maneuver around the bank. Must be able to lift up to 25 pounds at times.</p> <p>Disclaimer:</p> <p>This position description is not intended, and should not be construed, to be an exhaustive list of all responsibilities, skills, efforts or working conditions associated with the job; it is intended to be an accurate reflection of those principal job elements essential to the job.</p> <p>Federal Contractor - Equal Opportunity Employer M/F/Disabled/Vets</p>