Collection Specialist II

This position is responsible for managing an assigned portfolio of accounts and loans by executing effective collection strategies with a goal of reducing delinquency rates and minimizing financial losses.

Perform collection activities on simple to moderately complex consumer or commercial accounts/loans, with moderate supervision.
• Conduct inbound and outbound collection calls utilizing a predictive dialer, preview or other technology.
• Negotiate payment arrangements for delinquent accounts and document all interactions accurately in accordance with departmental procedures.
• Assist in resolving difficult collection problems such as payment disputes, alternative payment arrangements, and extensions.
• Identify problematic accounts/loans, escalate concerns to management and contribute to determining appropriate actions.
• Conduct skip tracing and work other specialty queues when assigned.
• Perform additional duties as assigned.

• High School Diploma
• Knowledge and understanding of collection industry standards of practice including a working knowledge of privacy and fair debt collection regulations, bankruptcy, repossession, including replevins, foreclosure and other consumer credit laws affecting collection of debt
• General knowledge of the lending process from point of application to note documentation
• Familiarity with credit bureau information and other sources of consumer reporting
• Strong communication and interpersonal skills
• Effective organizational and analytical skills
• Sound judgment and decision-making skills
• Strong negotiating and collaboration skills
• Strong PC skills
• Two years of collection experience working with similar consumer, mortgage or commercial products preferred
• Two-year college degree preferred

Physical Requirements & Working Conditions: Must be able to sit for long periods of time and use computer keyboard and/or mouse requiring hand and wrist manipulation, while viewing computer screens.

Disclaimer: Management retains the right to add, delete or modify the responsibilities and qualifications of the position at any time.

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