Job Summary:

If you are skilled and love to help people find solutions, this may be a great fit for you! As part of the Premier Auto Credit Family, you'll be contacting auto loan customers about late or missed payments, acquiring facts about the reasons for delinquency and helping customers bring their accounts current by negotiating payment arrangements. It starts with you!

Our Promise to YOU:

We are looking to develop, retain and motivate the most talented people - those who care about a collaborative team environment and are eager to support and learn. We value and promote diversity and inclusion in every aspect of our business and at every level of our organization.

***This role is eligible for a monthly bonus in addition to baseline hourly pay***

*Hours of operations for Collectors: Successful candidates must be willing to work any shift during the center’s hours of operation, which include evenings and weekends. (Monday through Friday 8am to 9pm, and Saturday 8am to 12pm)

Duties/Responsibilities:

• Proactively pursue resolution of all assigned delinquent accounts in compliance with all PAC 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 PAC customers.
• Thoroughly understand and appropriately apply all available PAC 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 of electronic payment tools available to PAC customers.
• Prevent voluntary repossession and other credit losses through effective negotiation and appropriate application of PAC collection and skip tracing tools.
• Thoroughly and professionally document all customer/collection contacts in the PAC’s operating system.
• Demonstrate the effective and appropriate use of available skip tracing tools – including controlling expense and compliance with collection and confidentiality regulations – to minimize locate skip accounts and minimize losses.
• Meet or exceed established daily, weekly and monthly performance objectives for delinquency, credit losses, collection calls and as otherwise established by management.
• Consult with the Collection Supervisor or more senior collectors to favorably resolve issues as needed.
• Performs investigative activities to evaluate and determine the whereabouts of customers/collateral
• Locate customers/collateral using company database, internet and other search tools
• Review any necessary documentation to pursue collateral/customers (i.e. Credit Applications/Reference sheets and prior communication with customer)
• Obtain new leads on customers/collateral location through collection activity
• Schedule and assign orders to appropriate vendors to secure collateral
• Build successful relationships with vendors in order to service accounts
• Accurately document all information pertaining to accounts
• Provide frequent updates to summarize progress made throughout the lifecycle of accounts until concluded
• Make outbound and receive inbound calls
• Use judgment to ensure compliance with all state and federal regulations and laws that pertain to the position
• Perform administrative duties while serving as a conduit of communication between the vendors and PAC
• Audit the vendor’s quality of work and performance to ensure PAC’s accounts are given the appropriate attention
• Other duties as assigned

Required Skills/Abilities:

• Prior experience in financial services or similar industry preferred.
• Proficient in Microsoft Office Suite or related software.
• Excellent organizational skills with great attention to detail.
• Professional phone etiquette.
• Experience in managing follow ups.
• Persuasive negotiation skills.
• Excellent verbal and written communication skills.
• Ability to keep information confidential.
• Ability to exercise integrity and discretion.
• Ability to remain professional in tense situations.
• Entry level typing/data entry.
• Strong ability to identify potential loss situations and make appropriate recommendations to mitigate loss.
• Experienced with dialer phone systems.
• Bilingual speaking, reading, and writing proficiency in Spanish/English.

Education and Experience:

• At least 3 years of experience in credit and collection work highly preferred.
• Familiar with skip tracing and compliance related to FDCPA requirements.
• Associate's degree or 2-5 years of customer service experience.
• Knowledgeable of best practices in the auto finance industry.

Disclaimer

Premier Auto Credit provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

Job Type: Full-time

Pay: $21.00 - $23.00 per hour

Benefits:

• 401(k)
• 401(k) matching
• AD&D insurance
• Dental insurance
• Employee assistance program
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid sick time
• Paid time off
• Parental leave
• Vision insurance

Weekly day range:

• Monday to Friday
• Weekends as needed

Work setting:

• Call center

Experience:

• Call center: 2 years (Required)
• Customer service: 2 years (Required)

Language:

• Spanish (Preferred)

Work Location: In person