Specialist I, Rec Lending Collections

Join our team - and take the next step in achieving a fulfilling career!

What We Do

At CardWorks, we aim to help people connect with possibility and opportunity using our financial servicing expertise. Building meaningful, long-term relationships with consumers, our employees, and our clients is what matters most.

Who We Are

CardWorks Servicing, LLC provides end-to end operational servicing functions for credit cards, secured cards, and installment loans.  We service consumer and small business loans across the credit spectrum and offers backup servicing and due diligence services to capital providers and trustees.

Merrick Bank is an FDIC-insured Utah Industrial Loan Bank.  Merrick operates three main business lines:  credit cards, recreational lending, and merchant services.

Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management.

Position Summary: A Collector is responsible for the daily collection of past due Recreation Lending loans. The Collector insures delinquency is maintained at an acceptable low level as well as complies with all policies and procedures as defined by management.   Essential Functions: Maintainsdelinquency in individually assigned loans at target rates Keeps manager informed of current status and trends related to individually assigned loans Completes skip trace work on accounts as required. Complies with all federal and state collection laws Completes daily work flow Understands and complies with all laws and regulations to which the Bank is subject Communicates problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts. Performs other duties as assigned   Education and Experience: High school diploma or its equivalent education required One (1) years’ experience in collections/customer service or call center is required Experience in a similar portfolio with an emphasis on sub-prime lending is preferred Experience performing work involving knowledge of general accounting fundamentals, business practices, or banking principles is also required   Summary of Qualifications:   Knowledgeable and complies with all state and federal collection laws and procedures. Effectively and efficiently communicate both through verbal and written channels in a way that others are able to understand the information in a manner consistent with the essential job functions Skilled in negotiating, including the ability to persuade and modify opinions to reach goals   Professional demeanor Highly organized Ability to work under pressure; flexibility and willingness to work at a rapid pace Understanding of collection nuances in a sub-prime field Knowledge of federal and state collection laws Working knowledge of a computer software related to specific job requirements.

Our Employee Value Proposition

• Competitive Pay, including a Bonus Target or Variable Pay Incentive Program 
• Benefits Package -Medical, Dental, and Vision (plus much more) 
• 401(k) Plan with Company Match 
• Short- & Long-Term Disability 
• Wellness Programs 
• Group Life and AD&D Insurance 
• Paid Vacation, Sick Days and bank Holidays 
• Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition

We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite.  Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.

We are an equal opportunity employer, and we evaluate qualified applicants without regard to race, color, religion, sex, national origin, disability, veteran status or any other legally protected characteristic.  We will conduct a thorough background check for all hires in compliance with applicable.