Account Representative: Dual Role - Field

Island Finance LLC•San Lorenzo, PR

5d•Onsite

About The Position

The Account Representative role is a dual role with a focus on collections, sales, and promoting financial products. The primary goal is to provide effective customer service and guidance to retain existing clients and acquire new ones, contributing to the achievement of sales and collection targets. This position involves managing collections within an assigned territory, evaluating accounts, and conducting manual or auto-dialer calls. The representative will identify customer needs or those of potential new clients, guiding them to the most suitable financial products based on their needs and repayment capacity. They will also encourage clients nearing loan completion to renew their loans through attractive offers to ensure retention. Field visits are required to validate employment and manage accounts that are past due or delinquent by 30 days or more. The objective is to bring these accounts up to date through collection, payment plans, renewals, restructuring, or other loss mitigation alternatives, all in compliance with company policies, procedures, and applicable legislation.

Requirements

Basic knowledge of arithmetic, languages, spelling, and grammar.
Accuracy and correctness in matching, posting, verifying written documents, and counting.
Proficiency in using calculators for simple computations, photocopiers, telephone systems, writing simple documents on computer systems, fax machines, and other office machinery requiring basic and simple knowledge and skills.
High school education or equivalent.
Proficiency in handling the switchboard, Auto Dialer, computerized systems, and cash register.
Proficiency in Excel, Outlook, and Word.
Account and risk analysis skills.
Knowledge of good documentation practices.
Training on offered products and their competition.
Knowledge of credit reports.
A car in good condition.
Valid driver's license.
Current vehicle registration (marbete).

Nice To Haves

Empathy
Customer service skills
Punctuality
Ability to work under pressure
Discipline
Teamwork
Responsibility
Positive attitude
Friendliness
Flexibility
Organization
Sensitivity

Responsibilities

Manage collections through customer visits, making and receiving collection calls, and transferring calls to appropriate personnel if necessary.
Conduct sales through phone calls and to walk-in clients, including following up with interested clients.
Complete customer application forms, follow up on approved applications, and verify credit risk and opportunities.
Achieve sales for RBO (Refinance Balance Only) or Restructuring.
Support the cash register operations.
Visit clients or their references as assigned for collection management, following procedures.
Process files, references, and courtesy or collection calls to clients with past due or delinquent accounts.
Complete daily visit reports and enter all results of each management action into the Oracle system.
Verify performance and follow-up reports.
Process payments received in the field or loan disbursements.
Prepare payment booklets.
Perform additional tasks assigned by the supervisor.