What are the responsibilities and job description for the Collections Specialist position at GUARDIAN SAVINGS BANK?
Company Description
Guardian Savings Bank is a large lender in Cincinnati, Northern Kentucky, Lexington and Louisville that puts people first. Our customers are part of a close-knit community and their banking needs are both met and serviced locally. Everything from opening an account, securing a home loan or getting advice on the best banking options, we’re here for you. In a fast-paced world, you can count on Guardian Savings Bank to slow down and give you the attention you deserve. Guardian Savings Bank is looking for a Collections Specialist for our Mt. Airy branch.
Purpose of the role
The Collections Specialist is responsible for contacting borrowers when their loans have fallen delinquent. This may include counseling borrowers on methods for bringing their loan current and/or referring them to a default specialist to explore alternative solutions. Position has direct impact to Bank losses. Responsible for following policies and procedures as defined in order to mitigate risk to the bank while ensuring a positive customer experience.
Essential Duties and Responsibilities
- Contact borrowers, utilizing an automated dialing system for both inbound and outbound calls and conducts manual outbound calls
- Evaluates and helps determine the borrower’s ability to pay, and collects appropriate financial information in a courteous and professional manner, striving for first-call resolution and in compliance with all applicable regulations
- Quote reinstatement amounts when applicable
- Skip trace accounts
- Researches accounts when applicable
- Ensures system is properly updated for monthly reporting
- Orders property inspections if/when applicable
- Process customer complaints per procedures
Education and Experience
- High school diploma or equivalent
- Recent Collections of Default Servicing experience required
- Basic experience with Microsoft Word and Excel
- Must be able to work in a team environment to interact with employees and all levels of the organization
- Ability to evaluate a customer’s situation without judgement
Job competencies
- Organized and dependable
- Analytical and attention to detail
- Ability to problem solve and multi-task
- Verbal and Written Communication
- Self-Motivated
- Team Player
Please note this job description is not designed to cover or contain a comprehensive list of activities, duties or responsibilities that are required for this position. Duties, responsibilities and activities may change at any time; with or without notice.
Guardian Savings Bank is an Equal Employment Opportunity and Affirmative Action Employer and will make all employment-related decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status.
