Collections Representative

POSITION SUMMARY:

Performs collections services on delinquent accounts for the Bank.  

Essential Functions

• Contact customers regarding delinquent accounts (by phone, e-mail, letter, or computer-generated delinquency notices);
• Inspect bank collateral outside of bank setting;
• File legal claims with courts and attorneys;
• Make real estate inspections of bank-owned properties and properties in foreclosure. These inspections may involve determining the need for and assignment of cleaning, maintenance, and repairs;
• Work with real estate agents toward the sale of bank-owned properties;
• Manage borrower-filed bankruptcies;
• Process St. Lawrence County delinquent tax notices received related to our mortgaged properties;
• Process City of Ogdensburg delinquent tax notices related to our mortgaged properties;
• Customer research and documentation;
• Assist customers with payment difficulties;
• Research skills;
• Other duties as deemed necessary;
• Completion of all mandatory training.

POSITION QUALIFICATIONS:

The foundation of this position is to serve the customers of the Bank by providing solid options to bring their accounts into good standing. This position requires strong customer service skills and aptitude along with the desire to serve our customers needs in an outstanding fashion. This position requires an aptitude for working with the public and making personal contact with bank customers to work with their delinquent accounts.  

Job Requirements:

Flexible work schedule.

Valid New York State Driver’s License.

Ability to read.

Ability to write.

Performance Factors

1. Attendance and Dependability: The employee can be depended on to report to work at the scheduled time and strives to keep absences minimal. Employee can be depended upon to complete work in a timely, accurate, and through manner and is conscientious about assignments.
2. Communication and Contact: The employee communicates effectively both verbally and in writing with superiors, colleagues, and individuals inside and outside of the Bank.
3. Relationships with Others: The employee works effectively and relates well with others including supervisors, colleagues, and individuals inside and outside the Bank. The employee exhibits a professional manner in dealing with others and works to maintain constructive working relationships.

EDUCATION, EXPERIENCE, and SKILLS:

Education

High School Diploma or GED

Experience

Two to four years experience in a financial institution or loan setting is preferred.

Solid understanding and knowledge of Bank loan products and services.

Past experience in collection of accounts and/or collateral is desired.

Skills

Strong communication and organizational skills, accuracy in interpreting transaction histories, and a solid understanding of the balancing process;

Strong knowledge of Excel and Word;

Good oral, written and human relations skills;

Good math skills;

Good computer skills and ability to operate standard office equipment;

Aptitude for use of Bank’s Teller programs (Insight).

AMERICANS WITH DISABILITIES SPECIFICATIONS

Physical Demands

The Physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is required to stand for extended periods of time; walk; sit; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms; climb stairs; balance; stoop; kneel; crouch; talk; hear; and see. The employee may occasionally be required to lift and/or move up to 25 pounds.  

Work Environment

Work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee may be exposed to different variations of weather conditions while performing customer visits. This may involve travel in reasonable and moderate weather conditions. The noise level in the work environment is usually moderate.