Collections Representative

Collections RepresentativesJoin our team. Make a difference - for us and for your future.Loan Adjustor (Levels I, II, III)Retail Lending | Pittsburgh, PA or Hermitage, PAAbout the RoleWe are seeking motivated and detail-oriented Loan Adjustors (Levels I–III) to join our Retail Lending team. In this role, you will manage delinquent loan accounts by working directly with customers to identify solutions, establish payment arrangements, and help bring accounts back to a current status.Depending on experience level, you will handle a range of accounts—from early-stage delinquencies to complex, late-stage collections and recovery efforts—while ensuring compliance with all policies and regulations.What You'll DoContact customers with past-due accounts to discuss repayment options and establish payment plansNegotiate solutions that align with both customer needs and bank guidelinesAnalyze borrower financial situations to determine appropriate collection strategies (Levels II & III)Maintain accurate and detailed records of all account activity, communications, and payment arrangementsResearch and resolve account discrepancies, including payment issues and transaction historyPrepare written correspondence, including demand letters and customer communicationsPartner with internal teams (loan officers, recovery specialists, etc.) to resolve accountsEnsure compliance with all regulatory requirements and internal policiesAdditional Responsibilities by LevelLevel II: Independently determine collection strategies based on account analysisSupport reporting and provide guidance to less experienced team membersLevel III: Manage complex, late-stage delinquent and recovery accountsInitiate and coordinate legal actions in accordance with policies and applicable lawsAct as a subject matter expert and provide guidance or support across the teamWhat We're Looking ForStrong communication and negotiation skillsExcellent customer service and problem-solving abilitiesHigh attention to detail and ability to manage multiple prioritiesAnalytical mindset with sound decision-making skills (especially Levels II & III)Comfortable working with systems, data, and documentationKnowledge of collections practices, regulations, and loan products preferredQualificationsEducation: High School Diploma or GED requiredExperience: Level I: 1+ year of customer service, collections, or related experienceLevel II: 3+ years of collections or loan servicing experienceLevel III: 3+ years (typically 5+) in advanced collections, recovery, or complex account managementWhy Join UsOpportunity to grow across clearly defined levelsExposure to a variety of lending products and customer scenariosCollaborative team environmentAbility to make a meaningful impact by helping customers find financial solutionsPosition Title: Loan Adjustor 1 Business Unit: Retail Lending Reports To: Supervisor of Loan AdjustmentThis position is primarily responsible for collecting delinquent accounts, preparing and compiling documentation, preparing concise correspondence, records and reports, determining appropriate collection strategies for the assigned level portfolio and upon discretion instituting legal action.Collects delinquent accounts by locating past due borrowers, distributing demand letters, contacting borrowers to establish payment procedures, utilizing effective human relation skills to obtain payments, notifying borrowers of their rights and amounts due, monitoring to ensure the borrower's commitment to pay and obtaining payments while presenting a positive image of the Bank.Prepares and compiles documentation on all collection actions taken such as telephone conversations, alternative financial arrangements, letters mailed, conversations with borrowers and correspondence with loan officers by telephone or letter.Documents collection actions and prepares lists of past due loans to ensure adherence with due diligence accurately and timely.Prepares concise correspondence, records and reports by establishing and maintaining delinquent accounts records, updating files, documenting payments received, reviewing records and transactions, resolving misapplied payments and researching transactions.Resolves problems, follows up to minimize delinquent accounts and ensures compliance with Bank guidelines and established laws.Institutes legal action if instructed by preparing required paperwork, filing complaints with District Justice and referring automobile accounts to the Asset Recovery Officer while complying with policies, procedures and regulations to recover Bank assets.Performs other related duties and projects as assigned.All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program.F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.Minimum Education: High School or GED Minimum Years Experience: 1 Special Skills: Excellent project management skills Excellent communication skills, both written and verbalExcellent organizational, analytical and interpersonal skillsExcellent customer service skillsAbility to use a personal computer and job-related software MS Word - Basic LevelMS Excel - Intermediate LevelMS PowerPoint - Basic LevelKnowledge of laws that relate to foreclosure, repossession and fair debt.Equal Employment Opportunity (EEO): It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements.FNB provides all applicants and employees a discrimination and harassment free workplace.FNB will not provide sponsorship for employment-based visas for this position; only candidates who are legally authorized to work in the U.S. will be considered.