LAD Collector I

Bank of Guam•Hagåtña, GU

5h•Onsite

About The Position

At the Bank of Guam it all starts with HEART! We are on a mission to delight customers by delivering exceptional service and being there for them when they need us most – just like family. We demonstrate that level of care by being AUTHENTIC, COMPASSIONATE, COURAGEOUS and PERSEVERING in all our interactions. To that end we encourage all employees to find their passion and be their best selves for our customers, fellow employees, and the greater community. We do this by: LIVING THE BRAND and leading with heart and exceeding expectations EMBRACING THE JOURNEY by accepting change and challenging others to do the same BEING AN OWNER of our career and taking responsibility for our actions LOVING TO LEARN by committing to personal growth and development. General Summary: LAD Collector I will be responsible for initiating and pursuing various types of collection efforts to ensure the prompt collection of delinquent and charged-off direct/indirect consumer, commercial, construction, and real estate loans. As a member of the team, you adapt and respond to customer needs, industry changes as well as internal initiatives. You are someone who thrives in an ever-changing, ever-growing, fast-paced environment. You bring exceptional communication skills, attention to detail and a strong work ethic. You prioritize effectively and get things done in a dynamic environment. You value team work and are committed to prioritizing the team both inside and outside of work. Hence you will support and contribute to team moral activities to foster a productive, fun, safe, and healthy working environment.

Requirements

Good written and verbal communication skills
Proficiency in Microsoft Office products
Ability to operate standard office equipment (computer, copy machine etc.)
Valid driver’s license and ability to operate an automobile
Ability to work flexible hours/days
Ability to work with minimal supervision and to meet deadlines
Ability to read and interpret documents, instructional manuals and procedures
Strong problem solving abilities necessary to analyze, and resolve issues as it relates to the job description
Must be a results oriented performer.
Detail-oriented, organized, and self-motivated
Ability to write routine reports and correspondence
Must be multi-task oriented
Must be able to work with/communicate with irate customers
Ability to work in teams/team player
High school graduate or equivalent or general education degree (GED)
Six months to one year experience in an office environment

Responsibilities

Actively participates in team moral building activities both inside and outside of the bank.
Participate and share ideas during department meetings.
Be open to cross-training, collaborating and supporting fellow team members to meet department goals
Proactively role model our bank brand personalities and build meaningful connections with employees, customers and vendors.
Resolves problems quickly, ensures root causes are addressed and works to eliminates repeat issues; ensures customers are satisfied with timing and quality of solutions offered.
Represent/participate in Bank sponsored events and community outreach programs.
Contacts customers to request payment of delinquent amounts and arranges an acceptable payment plan.
Contacts credit, employment, and other references when customer whereabouts are unknown
Reviews credit and other available information on delinquent accounts, evaluates prospects for collection of delinquent amounts
Perform research on customer history
Prepare periodic reports of collection activities
Prepare charge-off requests/reports
Process payments made in Loan Adjustment Department or payments collected while conducting field work
Documents all collection efforts and files all necessary documentation in appropriate files
Perform fieldwork; customer visits, repossessions, foreclosures, collateral inspections and documents all relevant information
Perform related duties and responsibilities as required and as assigned
Keeps informed of laws, regulations, and rulings governing negotiable instruments, insolvency, and bankruptcy.
Maintain the confidentiality of both the customer and the bank.
Understands and applies bank policy and procedures.
Adhere to all state and federal regulations.
Complete all bank mandated training