FT Credit and Collection Specialist

First Security Bank•Searcy, AR

4d•Onsite

About The Position

First Security Bank is seeking a professional, energetic and team-oriented individual to join our team as a Credit & Collection Specialist! If you are passionate about serving our Arkansas communities and want to be part of a dynamic, service-driven team, we encourage you to apply! In this role, you will support customers with their credit needs and ensure timely payment collection to reduce financial risk, requiring strong analytical skills, attention to detail, and professional, courteous customer service. This position requires on-site work.

Requirements

Must be at least 18 years of age.
High School Diploma or GED required .
Proficiency in Outlook, Word, Excel, typing, 10-key, and internet navigation required .
Commitment to demonstrate Core 5 values with customers and coworkers.

Nice To Haves

1 - 2 years' banking experience or equivalent years of relevant work experience preferred .
Internet Banking, Debit Card usage, and Call Center Experience preferred .
Familiarity with fair debt collection practices and account service procedures and demonstrated skill in negotiation and conflict resolution preferred .

Responsibilities

Research accounts using bank systems and online tools to establish customer contact, support loss-mitigation efforts, and manage delinquent/NSF accounts, including conducting Trans Union Locator (TLO) investigations and ChexSystems updates.
Manage credit bureau reporting through e-OSCAR, including reviewing disputes, submitting Automated Credit Dispute Verification and Automated Universal Data (ACDV/AUD), and completing monthly error-report corrections across all major credit bureaus.
Handle bankruptcy, charge-off, and foreclosure accounts and spreadsheets by coding loans per Metro 2 guidelines, filing claims via Public Access to Court Electronic Records (PACER), preparing required packets and documentation, completing reaffirmations, coordinating with legal counsel, updating insurance and tax records, and completing month-end reporting.
Manage repossession files, tracking sheets, repo orders, collateral perfection, claims, and correspondence.
Assist with credit card account services, including payment setup, account research, correspondence, and month-end reporting.
Provide documentation and research support to attorneys, including TLO searches to obtain updated customer information.
Monitor delinquent tax notices, track sale dates, and process redemption requests for the Commissioner of State Lands.
Promptly contact customers regarding past-due accounts, investigate discrepancies, deliver high-quality service, and negotiate repayment plans.
Maintain accurate, up-to-date customer files that document all communications and account activity.
Protect all customer information and bank operations through strict confidentiality.
Operate computer software and equipment, telephone, scanner, copier, and develop proficiency with internal banking systems.
Maintain a valid driver's license, reliable transportation, punctual attendance, and the ability to work on-site with occasional extended hours when necessary.
Perform additional duties as assigned by management.