What are the responsibilities and job description for the ART Collections Specialist I position at CardWorks?
Join our team - and take the next step in achieving a fulfilling career!
What We Do
At CardWorks, we aim to help people connect with possibility and opportunity using our financial servicing expertise. Building meaningful, long-term relationships with consumers, our employees, and our clients is what matters most.
Who We Are
CardWorks, Inc. is a diversified consumer finance service provider and parent company of CardWorks Servicing, LLC, Merrick Bank and Carson Smithfield, LLC.
CardWorks Servicing, LLC provides end-to end operational servicing functions for credit cards, secured cards, and installment loans. We service consumer and small business loans across the credit spectrum and offers backup servicing and due diligence services to capital providers and trustees.
Merrick Bank is an FDIC-insured Utah Industrial Loan Bank. Merrick operates three main business lines: credit cards, recreational lending, and merchant services.
Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management.
Position Summary
A Collections Specialist on the Account Restructure Team (ART), processes consumer loan accounts according to established guidelines and procedures for special circumstance situations. This team is comprised of agents who have both shared and individual responsibilities. Depending on the focus, responsibilities may include reviewing correspondence and reports to determine necessary account actions and/or handling inbound phone calls from cardholders and representatives. In addition, some agents may be responsible for working exception reports related to ART related processes.
Essential Functions
We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite. Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.
We are an equal opportunity employer, and we evaluate qualified applicants without regard to race, color, religion, sex, national origin, disability, veteran status or any other legally protected characteristic. We will conduct a thorough background check for all hires in compliance with applicable.
What We Do
At CardWorks, we aim to help people connect with possibility and opportunity using our financial servicing expertise. Building meaningful, long-term relationships with consumers, our employees, and our clients is what matters most.
Who We Are
CardWorks, Inc. is a diversified consumer finance service provider and parent company of CardWorks Servicing, LLC, Merrick Bank and Carson Smithfield, LLC.
CardWorks Servicing, LLC provides end-to end operational servicing functions for credit cards, secured cards, and installment loans. We service consumer and small business loans across the credit spectrum and offers backup servicing and due diligence services to capital providers and trustees.
Merrick Bank is an FDIC-insured Utah Industrial Loan Bank. Merrick operates three main business lines: credit cards, recreational lending, and merchant services.
Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management.
Position Summary
A Collections Specialist on the Account Restructure Team (ART), processes consumer loan accounts according to established guidelines and procedures for special circumstance situations. This team is comprised of agents who have both shared and individual responsibilities. Depending on the focus, responsibilities may include reviewing correspondence and reports to determine necessary account actions and/or handling inbound phone calls from cardholders and representatives. In addition, some agents may be responsible for working exception reports related to ART related processes.
Essential Functions
- Handles inbound and outbound calls and correspondence relating to consumer accounts, including but not limited to, bankruptcy, deceased cardholder, settlements, special programs and (CCCS) consumer credit counseling correspondence
- Applies knowledge of each client’s policies and procedures for account maintenance
- Interacts with internal and external customers i.e. clients, NY, Utah, attorneys, CCCS and credit bureaus
- Follows all (FDCPA) Fair Debt Collections Practices Act guidelines
- Remains up to date on regulatory requirements including, but not limited to their impact on Credit Bureau Reporting for special circumstances
- Performs other duties as assigned
- High school diploma or equivalent education required
- One (1) year inbound and or outbound telephone experience in a customer service or collections environment is highly desirable
- Experience with First Data Resources (FDR), Evolve or related platforms preferred
- Keyboarding proficiency
- Familiarity with Windows based computer applications
- Skilled in negotiating, including the ability to persuade and modify opinions to reach goals
- Ability to work under pressure; flexibility and willingness to work at a rapid pace
- Thorough knowledge of FDR products
- Effective planning, organizational, time management and problem-solving skills
- Effectively and efficiently communicate both through verbal and written channels in a way that others are able to understand the information in a manner consistent with the essential job functions
- Ability to multi-task is essential
- Competitive Pay, including a Bonus Target or Variable Pay Incentive Program
- Benefits Package -Medical, Dental, and Vision (plus much more)
- 401(k) Plan with Company Match
- Short- & Long-Term Disability
- Wellness Programs
- Group Life and AD&D Insurance
- Paid Vacation, Sick Days and bank Holidays
- Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition
We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite. Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.
We are an equal opportunity employer, and we evaluate qualified applicants without regard to race, color, religion, sex, national origin, disability, veteran status or any other legally protected characteristic. We will conduct a thorough background check for all hires in compliance with applicable.
