Credit Assistant Specialist Consumer Card 2nd Shift Newark, DE

Newark, Delaware

**Job Description:**

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.

One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. Were devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.

Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization.

Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us!

Job Description:

This role is responsible for providing credit assistance and solutions to our clients. The role is performed in an operational environment (primarily call center or chat) and handles primarily outbound calls for a single product at any stage of delinquency or risk, including Pre-Charge Off and Recovery. The role leverages strong problem solving skills and executes through exceptional customer service and empathy while meeting both Bank of America and client needs. The role requires sound judgement and decision making.

Responsibilities:

Reaches out to delinquent clients to secure payment and determines reason for delinquency on active or inactive loan, deposit and/or credit card accounts

Negotiates repayment of outstanding debt that benefits both the client and lender in a positive and professional manner, leveraging tools and resources where applicable

Determines the right solution for the client while staying within collections compliance guidelines

Demonstrates empathy for the clients situation using ethical behavior that is consistent with the banks code of conduct

Achieves quality standards and meets key performance indicators

Works an established list of accounts on an automated collections system, auto-dialer and/or manual calling and is responsible for the mitigation of losses

Required Skills:

At least 1 year of customer service experience

Excellent verbal and written communication skills

Ability to work within the operating hours and days for this position as outlined in the posted job requisition

Must have a commitment to exceptional customer service, including the ability to be empathetic and meet client needs

Must be proficient in dealing with customers issues in both a routine and complex environment

Must demonstrate negotiation and persuasion skills, and the ability to communicate and negotiate with a variety of customers and clients

Must have the ability to navigate multiple computer systems while interacting with the customer, as well as the ability to think critically and use sound judgment in decision making

Desired Skills:

College degree or commensurate work experience preferred

Credit Assistance and collections experience

Inbound/Outbound call center experience

Banking/financial services experience

Knowledge of banking operations

Skills Used in this Role:

Collections

Customer Service

Oral Communication

Written Communication

Active Listening

Negotiation

Problem Solving

Influencing

Critical thinking

Multitasking

Financial Math

**Shift:**

2nd shift (United States of America)

**Hours Per Week:**

40

Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity and affirmative action, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.

To view the "EEO is the Law" poster, CLICK HERE (https://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf) .

To view the "EEO is the Law" Supplement, CLICK HERE (https://www.dol.gov/ofccp/regs/compliance/posters/pdf/OFCCP_EEO_Supplement_Final_JRF_QA_508c.pdf) .

Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy (Policy) establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.

To view Bank of Americas Drug-free workplace and alcohol policy, CLICK HERE .