Financial Care Agent (Credit Acceptance)

Summary
The Financial Care Agent is responsible for effectively negotiating the resolution of early stage past due accounts on behalf of clients while maintaining a high level of customer satisfaction, by providing a professional, positive, and empathetic experience to each consumer engagement, as well as adhering to all applicable company, client, and regulatory requirements.

Essential Functions
•    Meet or exceed productivity goals established by the Client and Company
•    Efficiently manage customer accounts and file records according to Company and Client work standards:
o    Efficiently handle and maintain customers’ accounts
o    Accurately and thoroughly update and document account notes
o    Use probing questions to assess the consumer’s situation and assist with resolving issues according to client’s work standards
o    Negotiate for payment arrangements on delinquent accounts
o    Quickly make knowledge-based decisions to resolve the related issues
•    Stay abreast of daily and weekly Operations news and information; acknowledge receipt and understanding of policy and procedure updates
•    Complete all assignments as required or requested by Operations management
•    Maintain knowledge, understanding, and compliance with all federal, state, and local laws and regulations within functional area and with Client policies and procedures
•    Communicate professionally and appropriately with clients, consumers, co-workers, and management
•    Meet required criteria for work schedules and adhere to attendance policies as outlined in the Employee Handbook and site policies and procedures
•    Keep up-to-date knowledge, understanding, and compliance with governmental laws and regulations within functional area and with Company policies and procedures
•    Maintain regular attendance and timeliness which are required due to the production-based nature of the business and client requirements
•    Adhere to all Company and customer confidentiality and security policies and procedures


Non-Essential Functions
•    Perform other duties and special projects as assigned

Supervisory Responsibilities/Accountabilities
•    This position does not require Supervisory Responsibilities/Accountabilities

Requirements
•    High School Diploma or General Educational Development (GED) certificate
•    Two or more years of applicable customer service or related experience
•    Proficient computer skills, including utilization of computerized collections software programs. Experience with spreadsheets and automated systems
•    Excellent customer service skills, including strong problem solving and negotiating skills, interpersonal, written, and oral communication skills. Ability to listen, communicate (written and verbal). Close attention to detail
•    Ability to work independently, self-starter, energetic, demonstrate good common sense, ethical and sound judgment
•    Must adhere to all Company, Client and Consumer confidentiality and security policies and procedures


Physical Requirements
While performing the duties of this job, the employee is regularly required to talk, type, see, and hear while using a computer for periods of time. The employee frequently is required to multi-task (e.g., talk and type simultaneously). The typing aspect of the job requires the employee to reach with hands and arms; and use hands and fingers to handle/feel the keys. The job requires extensive use of keyboards and computers.

Working Conditions
Work is generally performed within an indoor office environment utilizing standard office equipment. Desk setting inbound call center/cubicle


Position Type/Expected Hours of Work
Employees must be available during the department’s scheduled hours and guidelines, which will include evening and weekend shifts (Sat & Sun) on a rotational basis. Schedules are subject to change based upon individual performance and/or business needs. Full-time employees must maintain continuous full-time employment status. Because of the production-based nature of the job, employees must be able to adhere to their schedule and attendance policies.