Account Representative:Dual Role-Field

Island Finance LLC•PUERTO NUEVO, PR

About The Position

Island Finance LLC is hiring an Account Representative for a dual field role focused on collections, sales, and promotion of financial products. The position provides customer guidance and service to retain existing customers and attract new ones while contributing to sales and collection goals. The representative manages an assigned collection portfolio through visits and calls, identifies customers’ financial needs and ability to repay, and recommends suitable products. The role also encourages customers nearing loan payoff to renew through appropriate offers. The representative conducts field visits to verify employment and contact customers with accounts 30 or more days past due. Collection and loss-mitigation options may include collecting payment, arranging payment plans, renewals, restructurings, or other alternatives, all in accordance with company policies, procedures, and applicable laws and regulations. The position also supports office transactions, loan processing, customer applications, and related reporting and documentation.

Requirements

Education equivalent to high school.
Basic knowledge of arithmetic, languages, spelling, and grammar, including accuracy in checking, posting, verifying written documents, and counting.
Ability to use calculators for basic computations, photocopiers, telephone systems, computers for simple documents, fax machines, and other basic office equipment.
Ability to use a telephone switchboard, autodialer, computerized systems, and cash register.
Knowledge of Excel, Outlook, and Word.
Account and credit-risk analysis skills.
Good documentation practices.
Knowledge of the credit report.
Automobile in good condition.
Valid driver's license.
Current vehicle registration (marbete).
Demonstrated empathy, customer service, punctuality, ability to work under pressure, discipline, teamwork, responsibility, a positive attitude, friendliness, flexibility, organization, and sensitivity.

Nice To Haves

Training on the financial products offered and their competition.

Responsibilities

Manage collections through customer visits and collection calls, and transfer calls to the appropriate staff when needed.
Make sales calls, assist customers who visit the office, and follow up with interested customers.
Complete customer application forms, follow up on approved applications, and review credit risk and opportunities.
Achieve RBO (Refinance Balance Only) renewal or restructuring sales.
Provide support at the cash register.
Visit customers or their references as assigned for collection efforts, following established procedures.
Process files, references, courtesy calls, and collection calls for customers with past-due or delinquent accounts.
Complete daily visit reports and enter the results of each activity into the Oracle system.
Review performance and follow-up reports.
Process payments received in the field or loan disbursements.
Prepare payment booklets.
Perform additional tasks assigned by the supervisor.