Collector II

Triad Financial Services•Jacksonville, FL

62d

About The Position

Triad Financial Services is looking to add a dedicated, highly skilled Collector II (Bilingual - Spanish Preferred) to our team. We are an established, profitable company who is growing quickly. In this exciting role, you will be responsible for collecting outstanding debts owed to the company. You should be able to understand and translate large amounts of numbers and financial information, negotiate tactfully, and persistently contact people of interest to collect money owed. Work days and hours are as follows: Monday - Thursday: where 2 days are 8:30am - 5:30pm, and 2 days are 11:00am - 8:00pm, Friday is 8:30am - 5:30pm, and Saturdays will be 4 hour shifts, 8a - 12pm or 9a - 1pm and possibility for overtime may be required. The training will last @ 90 days.

Requirements

High School diploma or equivalent
Solid PC skills
Analytical and problem-solving skills and attention to detail
Communication skills with demonstrated ability to interact in a positive and professional manner at all times with all levels of both internal and external audiences
Ability to negotiate with others and demonstrate assertiveness and empathy when necessary to obtain favorable resolutions
Ability to understand and explain financial matters, details of modifications /deferrals/ extensions and foreclosures/replevins in terms of the affected audience's understanding
Knowledge of Billing and Collections procedures
Must be goal oriented
At least 1 year of telephone customer contact experience
Ability to present a professional image to customers, coworkers and external contacts
Excellent verbal and written skills to communicate and negotiate with parties
Ability to prioritize multiple tasks and work well under deadlines
Knowledge of federal regulations and the Fair Debt Collection Practices Act
Patience and ability to manage stress
High school diploma or GED

Nice To Haves

MSP experience is a plus

Responsibilities

Answer high volume of inbound calls from and/or generate high volume of outbound calls to delinquent borrowers
Resolve delinquent accounts by demanding and collecting the full amount due, establish a solid plan with the borrower to bring the loan current, or proceed with hardship assistance as appropriate
Counsel borrowers on options for meeting their payment obligations, explain terms, and arrange repayment plans based on the department's procedures
Discuss financial status, review monthly income and expenses and determine the reason for non-payment
Document mortgage collection systems with all activities and communications
Send Notice of Defaults (NODs) to customers when required
Offer Loss Mitigation assistance when appropriate, explain options and processes in detail
Demonstrate accurate knowledge and strict application of federal regulations and collection laws (FDCPA)
Skip trace accounts when identified or submitted by the Collections Supervisor or Collections Director. The Skip Trace task is preformed using various free websites such as; Reverse Search, White pages, Anywho.com etc.
Process mortgage payments in accordance with established guidelines
Follow all company and departmental policies and procedures
Utilize proper protocol for borrowers, clients, state and federal regulations, as well as best practices
Follow up on calls and emails to customers and clients as needed for the resolution or clarification of issues.
Consistently meet or exceed monthly goals
Be flexible with their time and schedule in order to meet the needs of the business
Perform other duties that may be assigned by supervisor