Job Summary

　　The Consumer Collector is responsible for locating and contacting clients who are delinquent in the repayment of their loans and obtaining payments, commitment agreements or establishing repayment plans with delinquent clients. The incumbent utilizes automated systems or goes out in the field to achieve direct contact with clients. The consumer collector records information about client’s financial and collection effort status. The incumbent confers with clients to determine reasons for overdue payment and reviews terms of sales and or loan agreements. May be responsible for initiating and facilitating the collection effort with legal entities.

　　Essential Responsibilities

　　Performs outbound calls or receives inbound calls from clients who are delinquent in repayment of loans and negotiates resolutions of

　　repayment while achieving the organizations performance and productivity standards.

　　Advises clients of necessary actions and strategies for debt repayment.

　　Accurately inputs and documents actions or plans for resolution into collection systems.

　　Maintains up-to-date client contact information in the collections systems to ensure efficiencies with function; performs appropriate

　　action to locate delinquent clients when current information is outdated.

　　Recommends to management and initiates legal action against clients, when necessary, to achieve the collection of or enforcement

　　for overdue payments/delinquency.

　　Performs administrative duties to include but not limited to sorting and filing of correspondence; collection of data for the preparation of reports; and performance of system maintenance to update files and records.

　　Performs such other duties as are assigned by the Supervisor from time to time.

　　Supervisory Responsibilities

　　This position has no direct supervisory responsibilities.

　　Independence of Judgment

　　Employee works under direct supervision with little discretion to vary how tasks are performed or scheduled.

　　Impact of Errors

　　The impact of errors of this position could affect job and departmental activities.

　　Physical Demands

　　The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

　　Specific vision abilities required by this job include close vision and distance vision. While performing the duties of this job, the employee is regularly required a considerable use of arms and legs and moving the whole body, such as climbing, lifting, balancing, walking, stooping, and handling of materials. May be required to lift and move boxes or packages not exceeding 15 pounds in weight.

　　Work Environment

　　Employees in this job work in an office environment 80 percent of the time with a comfortable room temperature, good lighting, and quiet conditions. The employee is exposed to the external city/urban environment when performing any duties that require time or travel outside of the office.

　　Competencies

　　The competencies detailed below are the behaviors to be exhibited by the incumbent while performing his/her duties as relates to our corporate values, culture and philosophy.

　　Customer service: Manages difficult or emotional customer situations and responds promptly to customer needs.

　　Team Work: Contributes to building a positive team spirit.

　　Ethics: Treats people with respect and upholds organizational values.

　　Excellent verbal and written skills with knowledge of English, grammar, rules of composition, and proper terminologies.

　　Active Listening — Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.

　　Reading Comprehension — Understanding written sentences and paragraphs in work related.

　　documents.

　　Strong attention to detail; ability to work independently and exercise of good judgment.

　　Knowledge of financial markets, banking and the analysis of reporting of financial data.

　　Minimum Requirements

　　High School Diploma and 3 years experience in a direct customer contact, service, collections, or sales environment.

　　Must have valid driver’s license

　　Disclaimer

　　The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not indented to be an exhaustive list of all responsibilities, duties, skills required of personnel so classified. The reporting relationship may not reflect the most recent changes to the corporate reporting structure.

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