Experienced Auto Collections Representative - State Cap Auto Finance

Experienced Auto Collections Representative - State Cap Auto Finance (“SCAF”)

Job description:

As a back-end collector you are responsible for the collection of delinquent auto loans through effective negotiation and communication with past due borrowers. As a back-end collector you will identify problems contributing to account delinquency and offer solutions to resolve the delinquency including the negotiation of payment arrangements or available short and long-term payment alternatives as appropriate.

Responsibilities include proper and thorough documentation of all communications with customers, and follow up to ensure that delinquent customer commitments are met. All position responsibilities are to be completed in compliance with policies and procedures as well as all state and federal regulations including all requirements of the Fair Debt Collection Practices Act.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

Proactively pursue resolution of all assigned delinquent accounts in compliance with all policies and procedures and all state and federal regulations including the Fair Debt Collection Practices Act.

Demonstrate clear, concise and professional communication skills in all interactions with customers


Thoroughly understand and appropriately apply all available collection tools and payment alternatives to minimize delinquency and credit losses.

Ensure timely contact and effective communication with delinquent customers to ensure early problem detection and resolution to minimize delinquency and credit losses.


Expedite payment of delinquent accounts by negotiating the use electronic payment tools available to customers.

Prevent repossession and other credit losses through effective negotiation and appropriate application of collection and skip tracing tools.


Thoroughly and professionally document all customer/collection contacts in the Company’s operating system.

Demonstrate the effective and appropriate use of available skip tracing tools – including controlling expense, regulatory compliance, and maintain confidentiality.


Meet or exceed established daily, weekly and monthly performance objectives for delinquency, credit losses, collection calls and as otherwise established by management.

Consult with Leadership or more senior collectors to favorably resolve issues as needed.

QUALIFICATIONS/EXPERIENCE: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required.

High school diploma or equivalent Minimum of 2 years experience in consumer collections and skip tracing in compliance with FDCPA requirements


Must have a solid recent work history

Clear, concise and professional written and oral communication skills


Strong negotiation, skip tracing, problem solving, and probing skills that are utilized in a professional manner

Good telephone communication techniques and ability to be on the telephone for long periods of time


Detail-oriented and strong organization skills

Effective time management skills and ability to prioritize and multi-task to complete daily tasks while handling both incoming and outgoing calls


Ability to meet goals and deadlines in a fast paced, performance driven environment

Self Motivated and dependable


Familiarity with the auto finance industry helpful

Proficient computer skills including Microsoft Office applications, internet skills, and the ability to utilize web based research tools/search engines


Must have flexibility to work scheduled hours between 8:00 a.m. and 6:00 p.m. and Saturdays as needed

LANGUAGE SKILLS:

Command of the English language in both verbal and written forms is required. Bi-lingual in Spanish/Portuguese is a plus.

Position Type

Full-Time/Regular

Benefits:

401(k)

Dental insurance

Disability insurance

Health insurance

Life insurance

Paid sick time

Paid time off

Vision insurance

Work Location: In person

Benefits:

• 401(k)
• Dental insurance
• Disability insurance
• Health insurance
• Life insurance
• Paid sick time
• Paid time off
• Vision insurance

Work Location: In person