We are hiring a motivated Collections Representative to join our high calibre team at Southern Michigan Bank & Trust in Coldwater, MI.
Growing your career as a Full Time Collections Representative is an awesome opportunity to develop productive skills.
If you are strong in persuasion, communication and have the right drive for the job, then apply for the position of Collections Representative at Southern Michigan Bank & Trust today!
REPORTS TO: Connie Caudill
OFFICER: Non-Officer
FLSA STATUS: Non-Exempt
Organizational Expectations Of Employee Adhere to organizational policies and procedures; act as a leader within and outside the organization; perform duties as workload necessitates; maintain a positive and respectful attitude; communicate regularly with supervisor about department issues; demonstrate flexible and efficient time management and an ability to prioritize workload; consistently report to work on time prepared to perform duties of the position; meet or exceed department productivity standards; maintain confidentiality in reference to the Bank and its business, as well as the affairs of bank customers; attend and participate in staff, department, and other meetings, as required. Other duties and responsibilities as assigned.
Direct Supervision Exercised Over None
Essential Duties and Responsibilities Contacting delinquent customers to request payment regarding the retail portfolio of the organization including secondary market serviced portfolio. Following up on customer calls with regards to concerns, questions, and payment information. Must be able to work with multiple objectives and meet various deadlines. Negotiate accounts to up-to-date status. Provide recommendations for recovery solutions. Responsible for collecting charge-off accounts as required. Perform collateral inspections. Complying with internal procedures and operations in a manner to meet statutory and regulatory requirements. Contacts clients with delinquent accounts, initiates appropriate actions, and maintains records. Preparing collection files for imaging Home visits with face-to-face customer contact Become familiar with processes for the Home Affordability Modification Programs (HAMP) as well as other cure types depending on Investor requirements or regulatory requirements, i.e. FHLMC, RD, Michigan Modification, etc. This includes any required monthly reporting. Physical demands and Work Environment The physical demands described 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 essential functions.
1. Physical Demands Regularly sit for long periods of time, walk, bend over, stoop, and kneel. Regularly use hands and fingers to handle objects, and operate equipment such as 10-key pad, calculator, copier, PC keyboard, and mouse. Occasionally use hands and arms to reach, lift, move, carry, pull, and push files/objects up to 20 pounds while sitting, standing, climbing, or walking. Regularly use eyesight for close vision, distance vision, color vision, depth perception, and the ability to focus. Regularly use the sense of hearing. Regularly speak clearly using the English language. 2. Work Environment Standard office environment. Exposed to temperature conditions common at the time. Noise level is usually moderate/conversational. Qualifications and Experience Requirements 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. Reasonable accommodation may be made to enable individuals with disabilities to perform essential functions.
High School Diploma or Equivalent. Banking and loan experience helpful. Basic computer experience including Microsoft Word, Excel, and database knowledge. Good typing skills. Excellent verbal and written communication skills, including the ability to effectively compose original correspondence and verbally exchange information with customers and vendors. Ability to interpret the needs of customers and effectively resolve any problems to ensure complete satisfaction. Basic math skills, including the ability to calculate fractions, decimals, and percentages. Ability to apply common sense understanding to carry out verbal and written instructions and deal with standardized and unique situations. Excellent customer service skills. This job description describes the scope of the responsibility and essential functions of this position, but should not be considered to be an all-inclusive listing of work requirements. Individuals may perform other duties as assigned including work in other areas to cover absences or relief to equalize peak work periods or otherwise balance the workload.
This job description does not create an employment contract, implied or otherwise, other than an "at-will" working relationship.
Benefits of working as a Collections Representative in Coldwater, MI:
? Excellent benefits
? Company offers career progression opportunities
? Competitive salary
