Collector I

Job Summary The collector is responsible for performing collection activities in an effort to recover losses from assigned accounts. The collector will locate and communicate with debtors via telephone and written notices to obtain repayment in full or establish acceptable payment arrangements. Additionally, the collector will resolve non‑routine issues as necessary and perform skip tracing and contract observance functions to ensure compliance with all company, client, and federal and state regulations. Americans with Disabilities Act The Americans with Disabilities Act (ADA) prohibits discrimination by employers in compensation and employment opportunities against qualified individuals with disabilities who, with or without reasonable accommodation, can perform the “essential functions” of a job. Essential Job Functions (% of Time for Each Function) Communicate with debtors regarding the repayment of their delinquent debt – 40% Achieve assigned goals (fee, postdate, liquidation, and/or consolidation applications taken – specified by line of business) Make required number of phone calls daily as determined by management Profile debtors and obtain financial information; update demographic and financial information on each call Negotiate the best possible arrangements Proficiency with company telephone system while placing outbound calls and accepting inbound calls Refer accounts for legal or administrative wage garnishment processes if applicable per department and client requirements Perform skip tracing to locate debtors – 30% Use skip‑tracing tools to locate the debtor in the most efficient manner Locate required number of skip accounts as determined by management Effectively communicate with third parties to obtain location information Profile accounts that are determined unlocatable or exhausted Ensure all accounts are worked within client standards and federal regulations – 20% Maintain specified file of accounts per client standards Work within FDCPA, state regulations, department/division & DMO compliance policies Maintain clear, concise and accurate documentation of all attempts and/or contacts made and received for accounts in accordance with company and client specifications Maintain continuing education, training in industry career development – 5% Maintain current knowledge of and comply with all federal and state rules and regulations governing collections, including FDCPA, Privacy Act, FCRA, etc. Attend training sessions as directed by management Integrate information obtained through training sessions and policy changes immediately into daily routine Other Job Functions (% of Time for Each Function) Other duties assigned by management – 5% Decision‑Making Latitude The collector is given limited authority by collections management to conduct, manage, and administer the collection activities necessary to collect an account, while operating within the guidelines and budget of the collections department. Qualifications A. Education Preferred education level: College – Bachelor’s Degree (or other specified). High School, College, Master’s Degree, or other (specify) may be considered. Additional equivalent experience may substitute for the minimum required education. B. Experience Minimum of six months of progressive work experience preferred Experience in a Windows environment Basic keyboarding skills Must be able to obtain required license for collecting ACCA certification preferred C. Other Helpful Education or Experience Previous sales or customer service experience D. Knowledge, Skills, and Abilities Effective written and verbal communication skills Strong listening skills; ability to follow written and/or verbal instructions Goal oriented; seeks to consistently meet aggressive daily, weekly, and monthly production and quality goals Strong organizational skills and the ability to meet tight deadlines Negotiation, counseling, and problem‑solving skills Reliable; ability to work flexible day, evening and weekend hours as required Ability to learn company collections computer system and phone system Persistent; ability to overcome objections, remove barriers Team player Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities. This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the “Know Your Rights” notice from the Department of Labor. #J-18808-Ljbffr