What are the responsibilities and job description for the Collector I position at UNITED COMMUNITY BANK?
About the Role:
As a Collector I at United Community Bank, you will be responsible for employing letter, phone, and email contact with customers to schedule repayments and collect past due payments for assigned loans. This entry-level position focuses on minimizing delays and problems while mitigating collection and legal expenses.
What You’ll Do:
- Customer Communication: Engage with customers via letters, phone calls, and emails to schedule repayments.
- Loan Collection: Ensure the collection of all assigned consumer loans, meticulously documenting all efforts in the SHAW Collection System.
- Support Commercial Loans: Assist in the collection of commercial loans as needed.
- Documentation: Thoroughly document all customer interactions and update customer information in Navigator.
- Repossession Assistance: Obtain necessary paperwork prior to repossession and assist in the repossession process when needed.
- Account Research: Investigate customer accounts for payment corrections, late fees, and misapplied payments.
- Policy Adherence: Follow all United Community Bank policies and procedures with the utmost integrity.
- Training and Compliance: Attend required training on loan policies, departmental procedures, and relevant laws and regulations.
What We’re Looking For:
Experience:
- 1-2 years of experience in collections and/or customer service preferred.
Education:
- High school Diploma or GED.
Required Skills:
- Strong time management and organizational skills.
- Understanding of applicable bank policies and procedures related to the collection process.
- Basic knowledge of SHAW, Navigator, and UCBI internal banking systems (training provided if necessary).
- Excellent computer skills, including Microsoft Excel, Word, and email.
- Ability to multi-task and work independently.
- Detail-oriented with good verbal and written communication skills.
- Effective negotiation and interpersonal skills.
- Ability to meet performance goals under pressure.
- Problem-solving and decision-making abilities.
- Successful completion of in-house collection training and mentoring programs.
- Participation in all required compliance training, including Bank Secrecy Act/anti-money laundering training.
Preferred Skills:
- Experience in the financial services or banking industry.
- Familiarity with relevant laws such as the Fair Debt Collection Practices Act, Fair Credit Reporting Act, Gramm-Leach-Bliley Act, Electronic Fund Transfer Act, Equal Credit Opportunity Act, and Dodd-Frank Act.
Goals:
- Meet or exceed monthly performance goals as determined by management.
- Monthly performance reviews will be conducted and used for annual reviews, merit increases, and promotions.
Position Type:
- Full-time position with schedule flexibility to work evenings and weekends as needed.
Travel:
- This position requires up to 20% travel.
We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state, or local protected class.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
