Collections Representative

North Country Savings Bank•Canton, NY

17h•$19 - $22

About The Position

POSITION SUMMARY: Performs collections services on delinquent accounts for the Bank. Essential Functions Contact customers regarding delinquent accounts (by phone, e-mail, letter, or computer-generated delinquency notices); Inspect bank collateral outside of bank setting; File legal claims with courts and attorneys; Make real estate inspections of bank-owned properties and properties in foreclosure. These inspections may involve determining the need for and assignment of cleaning, maintenance, and repairs; Work with real estate agents toward the sale of bank-owned properties; Manage borrower-filed bankruptcies; Process St. Lawrence County delinquent tax notices received related to our mortgaged properties; Process City of Ogdensburg delinquent tax notices related to our mortgaged properties; Customer research and documentation; Assist customers with payment difficulties; Research skills; Other duties as deemed necessary; Completion of all mandatory training. Requirements POSITION QUALIFICATIONS: The foundation of this position is to serve the customers of the Bank by providing solid options to bring their accounts into good standing. This position requires strong customer service skills and aptitude along with the desire to serve our customers needs in an outstanding fashion. This position requires an aptitude for working with the public and making personal contact with bank customers to work with their delinquent accounts.

Requirements

Flexible work schedule.
Valid New York State Driver’s License.
Ability to read.
Ability to write.
The employee can be depended on to report to work at the scheduled time and strives to keep absences minimal.
Employee can be depended upon to complete work in a timely, accurate, and through manner and is conscientious about assignments.
The employee communicates effectively both verbally and in writing with superiors, colleagues, and individuals inside and outside of the Bank.
The employee works effectively and relates well with others including supervisors, colleagues, and individuals inside and outside the Bank.
The employee exhibits a professional manner in dealing with others and works to maintain constructive working relationships.
High School Diploma or GED
Two to four years experience in a financial institution or loan setting is preferred.
Solid understanding and knowledge of Bank loan products and services.
Past experience in collection of accounts and/or collateral is desired.
Strong communication and organizational skills, accuracy in interpreting transaction histories, and a solid understanding of the balancing process
Strong knowledge of Excel and Word
Good oral, written and human relations skills
Good math skills
Good computer skills and ability to operate standard office equipment
Aptitude for use of Bank’s Teller programs (Insight).

Nice To Haves

Past experience in collection of accounts and/or collateral is desired.

Responsibilities

Contact customers regarding delinquent accounts (by phone, e-mail, letter, or computer-generated delinquency notices)
Inspect bank collateral outside of bank setting
File legal claims with courts and attorneys
Make real estate inspections of bank-owned properties and properties in foreclosure. These inspections may involve determining the need for and assignment of cleaning, maintenance, and repairs
Work with real estate agents toward the sale of bank-owned properties
Manage borrower-filed bankruptcies
Process St. Lawrence County delinquent tax notices received related to our mortgaged properties
Process City of Ogdensburg delinquent tax notices related to our mortgaged properties
Customer research and documentation
Assist customers with payment difficulties
Research skills
Other duties as deemed necessary
Completion of all mandatory training