Customer Service Representative/Collector - , Va

Nicholas Financial Incorporated

Customer Service Representative/Collector - , Va

Virginia Beach, VA
Full Time
Paid
  • Responsibilities

    Career Opportunities for Qualified Candidates Nick_Block_Logo_WRK_02 CSR / Collector Nicholas Financial Inc. - Virginia Beach, VA Posted 01/04/2019 JOB DESCRIPTION SUMMARY OF JOB FUNCTION The Collector is responsible for contacting customers who are delinquent in their payment schedule to negotiate a payment plan. Represents NFI in Bankruptcy and/or Small Claims Courts as necessary. ESSENTIAL DUTIES AND RESPONSIBILITIES * Initiates communication with customers (both on the phone and one-on-one) to negotiate a payment plan for past-due loans and resolve delinquent accounts. Places notes in NFI system regarding payment dates, etc. * Works closely with the Corporate Account Resolution Specialist for uncollectible cases, Chapters 13 and 7 Bankruptcies, reaffirmations, repossession, etc. * Represents NFI in Bankruptcy Court with the assistance and direction of the Manager of Corporate Compliance. * Maintains compliance with industry regulations to include the Fair Debt Collection Practices Act (FDCPA), Dodd-Frank Act, and other federal and state regulations. * Adheres to corporate collection policies and delinquency standards (refer to the Policies & Procedures Manual for specifics). * Maintains ability to effectively utilize the NFI computer system, credit bureau, office equipment, etc. Utilizes necessary software to maintain and report data as needed. * Prepares routine, non-technical correspondence: collection notices, etc. * Maintain file system on all notices, memorandum, and correspondence. * Conducts skip trace work as appropriate to locate delinquent customers, location of vehicles for repossession, etc. * As applicable, assists with ordering and maintaining supplies. * As required, assists with the general housekeeping of the branch. * Performs other related job duties/special projects as assigned. COMPETENCIES: To perform the job successfully, an individual should demonstrate the following competencies: * Problem Solving Identifies and resolves problems in a timely manner; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem solving situations; uses reason when dealing with emotional topics. * Customer Service (internal and external); manages difficult or emotional customer situations; responds promptly to customer needs; responds to request for service and assistance; meets commitments; solicits feedback to improve service. * Oral Communication (one-on-one and telephone); speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to question; participates in meetings. * Ethics Treats people with respect; keeps commitments; inspires the trust of others; works with integrity and ethically upholds organizational values. * Attendance/Punctuality Is consistently at work on time; ensures work responsibilities are covered when absent; arrives at meetings and appointments on time. * Dependability Follows instructions, responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary (nights and/or weekends) to reach goals; completes tasks on time or notifies appropriate person with an alternate plan. * Initiative Volunteers readily; undertakes self-development activities; seeks increased responsibilities; takes independent actions and calculated risks; asks for help and offers help when needed. * Mathematical Skills Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. QUALIFICATIONS: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability to perform the essential functions * Education and/or Experience High School Diploma or equivalent; plus 1-2 years experience in a collection/bankruptcy environment; or equivalent combination of education and experience. * Language Skills Ability to read and comprehend simple instructions, short correspondence, and memos; ability to read and comprehend basic governmental regulations regarding collections and bankruptcy; ability to effectively present information and respond to questions in one-on-one and small group presentations to customers or employees. * Training - Must be able to pass all of the prerequisite educational classes initially and on a periodic basis as determined by the company policy in place * Computer Skills Ability to prepare letters/reports/etc/ using Microsoft Office Products, NFI software and related systems. * Other Qualifications Must maintain a valid drivers license to conduct field calls. PHYSICAL DEMANDS AND WORK ENVIRONMENT * Ability to operate normal office equipment as required performing the essential job functions: keyboard, telephone, copier, facsimile, credit bureau, calculator, Loan Origination System, Servicing System, and other systems/software that the company utilizes as part of its overall population. * 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. While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle or feel and talk or hear; stoop, kneel and reach. The employee is frequently required to reach with hands and arms. The employee is occasionally required to stand; walk and crouch. The employee must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision and ability to adjust focus. * The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. DISCLAIMER This job description is only valid as of the date it was created. Please contact the Director of Human Resources to obtain the latest version. Nicholas Financial, Inc., (NASDAQ: NICK), is a publicly traded subprime auto finance company, established in 1985, that specializes in purchasing and servicing auto loans made by franchised and independent auto dealers, via a network of company owned and operated branch offices. Also, please check out our Website at: nicholasfinancial.com Job Title Collector FLSA Status Non-Exempt Compensation Salary, plus bonus potential Supervisor Branch Manager/Assistant Manager If you are interested in becoming a Nicholas Financial employee, please email your resume to jobs@nicfn.com

  • Industry
    Financial Services