Collections Specialist 2 R015806

Job Title : Collections Specialist 2

This position is located in Gulfport, MS. The Collections Specialist 2 is the point of contact for delinquent accounts for collections activities. Collections Specialists are responsible for working to secure payments or arrangements from clients with delinquent accounts based on our approved processes and procedures guidelines.

Essential duties and responsibilities include answering a high volume of inbound calls from and / or generating a high volume of outbound calls to delinquent clients in an attempt to collect payment, determine the reason for overdue payment, and / or review the terms of the credit contract with the client. They resolve delinquent accounts by collecting the full amount due, and / or establishing a solid plan with the borrower to bring the loan current. They discuss financial status and determine the reason for non-payment. They refer clients to other areas of Consumer Credit Risk when appropriate. They demonstrate accurate knowledge and strict application of federal regulations and collection laws (FDCPA). They maintain and document the Debt Manager collection system with an accurate update to all activities and communications. They complete necessary administrative duties as assigned and negotiate settlements within department guidelines and processes.

Supervisory responsibilities include none.

Minimum required education, experience, and knowledge include a high school diploma or equivalent. A minimum of two years of collections experience is required. Analytical and problem-solving skills and attention to detail are necessary. Communications skills with demonstrated ability to interact in a positive and professional manner at all times with all levels of both internal and external audiences are required. The ability to negotiate with others and demonstrate assertiveness and empathy when necessary to obtain favorable resolutions is essential.

Essential mental and physical requirements include the ability to travel if required to perform the essential job functions. The ability to work under stress and meet deadlines is required. The ability to operate related equipment to perform the essential job functions is necessary. The ability to read and interpret a document if required to perform the essential job functions is required. The ability to lift / move / carry approximately 10 pounds if required to perform the essential job functions is required. If the employee is unable to lift / move / carry this weight and can be accommodated without causing the department / division an undue hardship, then the employee must be accommodated; hence omitting lifting / moving / carrying as a physical requirement.

Equal Opportunity / Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state, and local laws.