Consumer Loan Servicing Representative

Porterville, CA

Open Finance
10/4/2022 5:17:00 PMPST
Job Type: Retail Contract
Minimum Experience: Not Specified
Recruiter Name: Paul Casanova

Job Description

 

This position is a unionized position through the Communication Workers of America. 



ESSENTIAL DUTIES

  • Promotes and maintains positive relationships with all contacts, customers, and potential customers
  • Performs as a team member in allocating and coordinating the workflow
  • Answering co-worker questions
  • Collects customer payments in accordance to their due dates and assists with payment due date changes
  • Familiarizes with Beneficial Bank Policies
  • Promotes the Bank’s products and services and consistently cross-sell products in every opportunity
  • Makes every effort to resolve customer problems
  • Solicits for new loans
  • Reviews open accounts for collection, repossession, and identifies source of attributions to account delinquency
  • Works with peers and Management to minimize delinquency, charge-off, and maintains quantity without sacrificing quality
  • Reviews and monitors any assigned accounts and collection reports
  • Identifies opportunities for account recourse and skip trace to locate customer
  • Maintains knowledge and understanding of FDCPA and Truth and Lending and all TRC training
  • Generates outbound calls with delinquent borrowers who are considered high-risk or with associated third parties
  • Uses payment strategies to resolve customer delinquency
  • Records information about financial status of customers and collection efforts
  • Works on assigned welcome list
  • Requests field visits and remove alerts when appropriate
  • Submits repossession assignment and assists with cancellation of repossession as needed
  • Provides timely follow-up on payment arrangement
  • Reviews accounts for legal
  • Review emails
  • Review accounts for Due date changes, skip a pay, PICL and other programs offered by the bank  
  • Ensures compliance with all state and federal regulations and internal company policies, including but not limited to BSA / Anti-Money Laundering, Fair Lending, Privacy, and Anti-Discrimination, to the extent each applies to current job responsibilities
  • Completes all online compliance training as assigned within specified due dates

Job Requirements

 MINIMUM REQUIREMENTS

  • High School Diploma or of equivalent education
  • 1+ years in a call center environment with collections, skip tracing, and previous loan collection experience preferably in a financial institution
  • Knowledge of bank operations, retail banking products, and banking regulations pertaining to financial transactions; prior experience and knowledge preferred
  • Demonstrated strong interpersonal skills
  • Computer literacy in Microsoft application: Word, Excel, and Outlook required
  • Solid math skills and bookkeeping abilities preferred
  • Bilingual in Spanish preferred
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