Lending & Collection Specialist

Essential Duties & Responsibilities

To perform this position successfully, an individual must be able to perform each essential duty and responsibility satisfactorily.

• Be able to effectively perform any and all office duties under the direct chain of command to include Assistant Branch Manager and Customer Service Representative.
• Review customer accounts and contact customers who need assistance in meeting their contractual obligations via phone, email and text messages.
• Ensure all customer demographic information is correct including addresses, phone numbers and preferred contact method.
• Locate customers using skip tracing methods approved by management.
• Telephone and field call delinquent accounts.
• Work with management on finding ways to use technology as a means for effective collection methods.
• Perform other related duties as assigned.

Qualifications

The requirements listed below are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Ability to review consumer loan documents and effectively negotiate repayment plans.
• Knowledge of the Fair Debt Collections Practices Act.
• Ability to provide excellent customer service while exhibiting dedication to First Financial Credit’s mission, vision, and values.
• Proficient in the use of Microsoft Office products and information systems that are applicable to the financial credit environment.
• Ability to deal effectively and tactfully with customers even in stressful situations.
• Ability to work with a team and members of other departments.
• Ability to work with little direct supervision in carrying out the tasks and responsibilities assigned.
• Strong attention to detail.
• Ability to handle sensitive documents or other confidential information. 
• Ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations).
• Ability to give full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
• Ability to manage time and be efficient and effective in the completion of assignments.
• Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar including the ability to comprehend written sentences and paragraphs in work related documents.
• Ability to manage time and be efficient and effective in the completion of assignments.
• Knowledge of arithmetic and their applications specific to the position.

Physical Demands and Abilities

The physical demands and work environment characteristics described herein are representative of those that must be met by an employee to successfully perform the essential duties of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

• Ability to look at a computer screen for long periods of time.
• Ability to sit for long periods of time. An example would include sitting at a desk to review loan applications.
• Ability to stand at a counter to assist a customer, stoop or bend to pick up an object or retrieve a file from a filing cabinet, or lift and carry an object which may weigh up to 15 pounds.
• Ability to use text messaging, emails, and other electronic systems to contact customers.
• Ability to demonstrate manual dexterity through typing on a keyboard, sorting through paperwork, reaching and grabbing objects and filing.
• Ability to listen to and understand information and ideas presented through spoken words and sentences.
• Ability to communicate information and ideas in speaking and writing so others will understand.
• Ability to see details at close range (within a few feet of the observer).
• Ability to tell when something is wrong or is likely to go wrong and initiate appropriate solutions, knowing when it is necessary to escalate to the next level of management.
• Ability to operate standard business equipment such as fax, computer, printer, copier, etc.

Other Requirements

• May be required to attend activities outside the office to stay abreast of new developments, best practices, and statutory and regulatory changes.
• Pursuant to the Drug Free Workplace Act of 1988, all employees must remain drug free and alcohol free when reporting to work and while engaged in any work related activities.
• Ability to work flexible schedules that may include early/late or weekend working hours.

EOE

We are committed to ensure fair and equal treatment for everyone we employ and as such, we are a proud Equal Opportunity Employer.  We  value diversity and believe employment, training, and promotional opportunities should be available to all persons without regard to race, color, gender (including gender nonconformity, gender identity, status as a transgender individual, and sexual orientation), sex (including pregnancy), age, religion, national origin, ethnicity, physical or mental disability, genetic information, political affiliation, protected veteran status or membership in the armed services, or any other consideration that is protected by applicable federal ,state, and local law.