Collector (Post Charge-off)

Automotive Credit•Southfield, MI

5d•Hybrid

About The Position

Michael Andrews & Associates is a multi-year winning company of insideARM Best Places to Work in Collections, known for its excellent customer service and DRIVEN team members. This full-time Collector (Post Charge-off) position is responsible for contacting consumers to collect on charged-off automobile accounts through compliant talk-offs. The role requires documenting accounts, solving problems, and effective communication, all while adhering to company guidelines and regulatory compliance to achieve individual and departmental goals.

Requirements

Must have minimum of two (2) years experience in charged off auto contracts
Must have two (2) years of skip tracing skills / knowledge / techniques / contacts
Must have high school diploma or equivalent
Must have the ability to work successfully in a team environment
Must be detail oriented and diligent in follow up
Must have the ability to review a customer’s file folder and glean information that provides leads on the possible location of vehicle
Must have strong negotiation and problem solving skills
Must possess a thorough understanding of the Fair Debt Collections Practices Act (FDCPA) and/or applicable state collection laws
Must have the ability to handle irate individuals over the phone and successfully defuse the situation while remaining professional
Must be capable and willing to make difficult decisions
Must have strong negotiation skills
Must be detail oriented and diligent in follow up
Must have the ability to work evenings and weekends as needed

Responsibilities

Manage account work queue
Ensure each account is worked thoroughly
Obtain satisfactory payment arrangements on legal accounts
Document all actions in appropriate system(s)
Make manual outbound calls to consumers
Participate in outbound dialer campaigns
Conduct an effective and compliant talk off with the consumer
Accept and handle incoming calls
Collect money on legal accounts
Use leads to locate debtor and obtain right party contacts
Follow departmental guidelines for submitting accounts for legal action if consumer refuses to pay