Default Account Servicing Representative 2 Arvest Fayetteville

Title Default Account Servicing Representative 2
Date 2020
Company Arvest
City Fayetteville

Short Description :

And FAX machines Must be able to greet others cordially With minimal direction from the Default Account Servicing Manager, the Default Account Servicing Representative 2 is responsible for contacting advanced delinquent indirect/direct loan customers regarding their delinquent ,…

Full Description :

SUMMARY: With minimal direction from the Default Account Servicing Manager, the Default Account Servicing Representative 2 is responsible for contacting advanced delinquent indirect/direct loan customers regarding their delinquent account and/or weakness in their credit. The Default Account Servicing Representative 2 recommends solutions to bring delinquent/problem loans to resolution while minimizing losses to the bank and recommends the appropriate legal action to be taken on delinquent/problem accounts.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

  • Must be able to perform all the duties of a Default Account Servicing Representative 1.
  • Contact daily, by phone or in writing, loan customers with delinquent loans.
  • Recommend courses of actions on delinquent/problem loans and negotiate courses of actions with borrowers. Refer customer requests for payment deferrals and requests for late fee waivers. Review accounts for possible execution of right of offset.
  • Request fee refunds (i.e. NSF) and address other customer service issues as needed. Document, recommend and obtain proper approval on exceptions to policies.
  • Assess accounts, when appropriate, to determine condition and location of collateral, potential for loss, repayment potential, etc., and provide recommendations on decisions to repossess, or refer to other legal action, to Default Account Servicing Manager.
  • Properly assist customers within the serviced portfolios and/or connect customer to proper servicing representative when necessary, i.e. AMC, CMC, SBC, SFC or other bank group associate.
  • Communicate with Default Account Servicing Manager regarding unresolved accounts that will cross 60 day threshold, i.e. suggest skip tracing, personal visit, etc.
  • Assist in training and/or mentoring Default Account Servicing Representative 1s of the department’s processes.
  • Understand and comply with bank policy, laws, regulations, and the bank's BSA/AML Program, as applicable to your job duties. This includes but is not limited to; complete compliance training and adhere to internal procedures and controls; report any known violations of compliance policy, laws, or regulations and report any suspicious customer and/or account activity.

TEAM ACCOUNTABILITIES:

  • Support and uphold the Mission Statement.
  • Uphold the Code of Ethics and ensure that confidential information is safeguarded.
  • Maintain a high level of cooperation and rapport with all associates in order to ensure accurate and efficient operations and service.
  • Formulate and communicate new ideas and suggestions that will improve profitability and efficiency for the company’s overall operation.
  • Promote professionalism at all times.

QUALIFICATION REQUIREMENTS:
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 required. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE:

  • High School Diploma or GED required.
  • 3 years previous experience in customer service and/or retail sales required.
  • 1 year previous collections experience or equivalent experience required.
  • Previous banking or operations experience preferred.
  • Associate’s degree preferred.

OTHER SKILLS AND ABILITIES:

  • Must be able to arrive at work on time, work on site and have regular work attendance
  • Must be able to work cooperatively with other co-workers regardless of personality, presence or communication style
  • Must be able to provide cordial customer service regardless of customer personality, presence or communication style
  • Must be able to perform several tasks at once
  • Must be able to work in a stressful atmosphere
  • Must be able to rotate job tasks
  • Must be able to occasionally work overtime
  • Must be able to greet others cordially
  • Must be able to coordinate multiple and changing priorities
  • Must be able to verbally communicate with all other associates
  • Must be able to operate telephone, scanner, copier and FAX machines
  • Must be able to move from department, division, or bank to department, division or bank to attend meetings
  • Must be able to operate personal computer keyboard in order to create reports, schedules and other appropriate documentation

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

While performing the duties of this job, the associate is regularly required to stand, walk, sit, and to talk and hear. The associate must occasionally reach with hands and arms; stoop, kneel, or crouch.

The associate may occasionally be required to lift or move up to 25 pounds.

Specific vision abilities required by this job include close, distance and color vision and the ability to adjust focus.

The incumbent must be able to travel occasionally by themselves within the US, including overnight, and via automobile and air.

WORK ENVIRONMENT:
The work environment characteristics described here are representative of those an associate encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

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