Customer Service Representative/Collector

Company: Credit Concepts, Inc.
Location: Federal Way
Posted on: May 13, 2022

Job Description:

Job Description Possible Qualifying Bonus (interview to find out the possible amounts) Summary: Responsible for reviewing, monitoring and processing loan applications as well as all activities associated with credit and collection process of receivables within established guidelines by performing the following duties. Duties and Responsibilities include the following. Other duties may be assigned. 1. Verifies loan and credit documentation and verification has been received to include: two recent pay stubs for each applicant; applicant(s) signature on all pages of application; employment and income verification; proof of insurance; ODL; six references to include: name, address, phone number and relationship to borrower; landlord name and phone number; photocopy of phone bill; and any other documentation as it pertains to each individual file. 2. Enters application information accurately into the computer. 3. Submits loan applications to appropriate buyer. 4. Makes copies of loan packages as necessary. 5. Reviews and follows up conditions of loan applications to verify conditions are met. 6. Monitors accounts receivable summary for delinquency through related reports on a regular basis. 7. Initiates appropriate collection activity via past due notices, telephone and other correspondence with customer. 8. Negotiates payment terms with customers in accordance with established guidelines to minimize potential legal action or repossession. 9. Notifies customers of non-sufficient fund checks, arranges for an alternative method of payment and assesses charges to accounts. 10. Researches and provides documentation on credit accounts as requested to include current financial information and credit reports. 11. Receives and responds to credit and collection related inquiries in a prompt manner. 12. Creates and maintains proper response letters on computer for various incoming correspondence. 13. Door knocks or chases accounts when needed. 14. Performs re-marketing repossessions. 15. Performs other related duties as assigned. 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 required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education/Experience: High school diploma or general education degree (GED). Prior loan processing or related experience required. Language Ability: Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization. Math Ability: Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry. Reasoning Ability: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. Computer Skills: To perform this job successfully, an individual should have knowledge of basic Microsoft Office Suite. Skills and Abilities: Oral communication skills Math aptitude Written communication skills Planning Reading skills Professionalism Customer service Proofreading skills Organization Time management Negotiation Computer literacy Alpha/numeric keyboard skills Certificates and Licenses: Valid Driver's License Work Environment: 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. Physical Demands: 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. The employee is frequently required to use hands; reach with hands and arms and talk or hear. The employee is occasionally required to stand and walk. The employee must regularly lift and/or move up to 5 pounds. Hand sanitizer and cleaning supplies are available. Company Description Credit Concepts was founded in 1997 in Eugene, Oregon. Since then, Credit Concepts has been steadily growing and now provides our lending services to customers and dealers in Oregon, Washington, Idaho, and Nevada. Our growth is a direct result of our commitment to provide the best possible customer service in every aspect of our business. Our mission is to make automobile financing available to people who have experienced past credit problems and do not have access to other traditional lenders. In doing so, we are able to help repair our customers--- credit and provide them with the vehicles they need for everyday living. Credit Concepts makes these loans available through the purchase of installment contracts from our dealers or as a direct loan to our customers in the branch. Credit Concepts, strives to provide the best customer service in our industry by being fair, prompt, compassionate, consistent, and understanding.

Keywords: Credit Concepts, Inc., Federal Way , Customer Service Representative/Collector, Hospitality & Tourism , Federal Way, Washington