Job Overview:

The Risk Associate will identify, assess, and make recommendations that will manage and mitigate the organizations operational risks.

Duties/Responsibilities:

Management Team

1.Report daily to and assist the Director of Risk Management in the day-to-day operations of the department.

Collection of Delinquent Accounts

1.Provide efficient and timely recovery on delinquent accounts in a courteous and professional manger

2.Call or email delinquent accounts as directed and scheduled

a.Communicate properly the terms and conditions of the lease to PFS customers

b.Fully document all correspondence and actions in database notes

3.Process Cash Receipts and Delinquency Reports from banks

4.Monitor 1^st payment defaults and insufficient funds (returned payments) received from banks

5.Work effectively with PFS servicing banks’ collections personnel

6.Single Lease non-recurring ACH Payments (Pay-by-Phones)

7.Recurring ACH set-up (to include Third Party docs when needed)

8.Bounced Payments

9.Submit Monthly Collections Report

10.Skip Trace to find person, car, etc.

11.Collecting on Property Tax accounts

12.Collecting on Extension Payments

13.Adding a Guarantor to lease

14.Account Terminations

a.Send termination letters, submit repossession orders, conduct weekly follow-ups, and continue to investigate as directed by the manager

Collectible Debt

1.Work directly with Director of Risk Management in maintaining the status of the Collectible Debt files

2.As directed, prepare Collectible Debt Packages for PFS Legal Counsel

3.Skip trace to find assets, employment, etc.

4.Conduct daily/weekly follow up

5.As directed, contact attorneys, repo agents, and private investigators

Client Services Support

1.Process payoff requests as needed

2.Assist with lease management as needed

a.Lease Extensions and Lease Expirations

3.Third Party Insurance Investigations as needed

Administrative Support

1.Submit Monthly Report

2.Review, edit and complete Collections Manual as directed and scheduled by manager

3.Update and revise checklists and keep current

4.Contribute to the team effort of Premier and the Collections Department

5.Process weekly delinquency reports and daily payments received at servicing bank

6.Attend Weekly Collections Meeting

7.Review, edit and complete Procedures Manual and checklists as directed

8.Pull Credit Reports, TLO, Pacer Reports, E-Oscar Reports, and process E-Oscar Disputes as directed

9.Assist Annual OFAC Audit with Manager(s)

10.Attend one Regional Team Meeting per week

11.Review and resolve problem accounts, i.e., Skip/Trace, Insurance, Straw Lease, etc. as directed

Required Skills/Abilities: 

• Excellent organizational skills and attention to detail
• Excellent written and verbal communication skills
• Tremendous Interpersonal and Customer Service Skills
• Ability to communicate with account holders in a courteous manner
• Ability to Multi-task/Prioritize/Delegate
• Strong analytical and problem-solving skills
• Knowledge and understanding of financial and leasing terminology
• Self-Directed and Results Oriented
• Proficient with Microsoft Office Suite or similar software
• Maintains Confidentiality
• Highly principled
• Ability to function well in a high-paced work environment

Education and Experience:

• Associates degree required; BS/BA in Business Administration, Risk Management, or related area preferred
• At least two years of related experience required
• The above is a brief outline and is not intended to fully describe all the responsibilities and details of this position. PFSreserves the right to alter this job description at any time, as it deems necessary.

Schedule: 9-6 pm

We provide a highly competitive and comprehensive compensation and benefits program including affordable medical/dental insurance, generous paid leave program, 401(k) and much more!