Credit and Collection Specialist

Full job description
First Security Bank offers career opportunities for professional, and energetic individuals who foster a culture that values critical thinking, problem solving and who execute operational excellence.

Important Information Regarding Application Process: Please note that we do not accept resumes and encourage applicants to include work history on our formal application available via the "Apply Now" link. *Data from resume cannot be downloaded into application. We invite you to view additional job opportunities at https://www.fsbank.com/about/join-us/.

SUMMARY

Under supervision of the departmental manager/supervisor; responsible for providing professional services and courtesies while resolving current/past due accounts and assisting customers with their credit. This position requires employees to work on-site.

QUALIFICATIONS | EDUCATION | EXPERIENCE | SKILLS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

Candidate must be at least 18 years of age.
High School Diploma or GED required.
1 - 2 years? banking experience or equivalent years of relevant work experience preferred.
Internet Banking, Debit Card usage, and Call Center Experience preferred.
Familiarity with fair debt collection practices, account service procedures, and debt collection procedures and policies preferred.
Demonstrated skill in negotiating and resolving conflicts.
Proficiency with Outlook, Word, Excel, typing, 10-key and utilization of the internet is required.
Willingness to demonstrate Core 5 values with customers and coworkers.
HOURS OF AVAILABILITY: Regularly Scheduled Hours/Week: 40 (+) Hours | Monday ? Friday 8:00am-5:00pm | *Extended working hours may be required.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Utilize various Bank and online resources to research and establish customer contact while attempting to aid in loss mitigation process.
E-Oscar: Credit Bureau Reporting (Online Solution for Complete Accurate Reporting): Investigate and review disputes, respond and submit (ACDV) Automated Credit Dispute Verification, submit (AUD) Automated Universal Data Forms to update consumers file, compose letters.
Bankruptcy: Code loans according to Metro 2 guidelines, file claims on PACER, complete reaffirmations, online tracking sheets, contact legal advisors and End of Month Reports (EOM).
Board Charge Offs: Code loans according to Metro 2 guidelines, prepare charge-off sheets and EOM.
NSF Monthly/ Daily reports: TLO (Trans Union Locator) investigate, receive electronic daily reports, update accounts on ChexSystems. Manage multiple accounts for delinquency and collection efforts.
Credit Cards: Setup payments online, assist customers, research history, compose letters, and submit end of month reports.
Fatal Error Reports: Review Trans Union, Experian and Equifax month-end error reports and make corrections according to the Metro 2 guidelines.
Payouts: Process daily recoveries, compose letters and end of month reports. Visually review monthly recoveries for non-payments. Review and update attorney?s weekly reports.
Attorney Reports: Email/ Fax documentation when requested. Research and TLO for updated employment, addresses etc.
Foreclosures: Code loans according to Metro 2 guidelines, prepare attorney packets, notify insurance companies, update tax records, prepare online tracking sheet, and update excel.
Repo/Repossessed Assets: Code loans according to Metro 2 guidelines. Prepare online tracking sheets, repo order, collateral perfection, SPI claims and composing letters.
Commissioner of State Lands: Access delinquent tax notices online, check sale dates, payments or cases pulled down. Complete and mail redemption request.
Ensure prompt contact is made for non-payments, in accordance with established procedures. Provide quality customer service by thoroughly investigating loss amount prior to customer contact.
Advise customers on all available payment options and work to establish a payment plan that is agreeable to all parties. If an agreement cannot be reached, then review with the customer on what steps are available for collection of overdue debt.
Maintain and update customer?s file by documenting times and dates of contact, and any information shared with the customer about the NSF/debt.
Adhere to strict privacy regarding customer account information. Maintain customer confidence and protect bank operations by keeping information confidential.
Operate computer software and equipment, telephone, scanner and copier. Expected to become proficient with internal bank software, access Chapter 13 Network, Public Access to Court Electronic Records (Pacer) and Trans Union Locator (TLO).
Able to hold a valid driver's license, have access to reliable transportation for arriving to work on time, work on-site at assigned location, and a willingness to extend working hours when necessary.
Additional duties may be assigned by management.
SUPERVISORY RESPONSIBILITIES: This position has no supervisory responsibilities

SOFT SKILLS
Foster a culture that values high ethical conduct, critical thinking, problem solving, engagement, teamwork, and provides exceptional service. Establish positive and productive work relationships that provide honest feedback and generate trust.

PHYSICAL DEMANDS
The employee must possess sufficient mobility to work in and move about in a standard office setting and sufficient hand, arm, and finger dexterity to operate a computer keyboard and other office equipment. Substantial time may be spent on the telephone and working on a computer, sitting and/or standing. The employee must have the ability to hear and articulate well enough to carry on a normal conversation, both in person and over the telephone. Visual abilities required by this job include the ability to read materials in either a printed format or on a computer screen. The employee must occasionally lift and move up to 10 pounds.

The work environment described here is representative of what an employee encounters while performing the essential functions of this job successfully. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

MENTAL DEMANDS
The duties of this position require the ability to maintain attention to detail and complete work projects accurately in a short amount of time, despite interruptions. The employee must be able to interact with customers/coworkers in a calm and patient manner and maintain confidentiality and professionalism in all situations. The position also requires the ability to read and interpret documents and draft written communications.

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