Description The Collections Representative is responsible for the attainment of loan collection objectives and assists in the overall direction and operations of the collection activity of the organization. • Assist in the management of all properties acquired through foreclosure and other collection activities • Assist the Workout Officer in the collection activity of all branches of the organization. • Communicate with each Branch Manager, Assistant Manager, and/or any other employee involved in the collection process. • Recommend foreclosure, repossession, charge off and legal action when appropriate. • Work with Loan Servicing to resolve any discrepancies on loan balances, postings, etc. • Recommend to the Workout Officer all loans that may deserve special attention or to be added to the Watch List. • Determine which loans need special collection efforts and decide who shall make those efforts. • Personally handle the collection action on those loans assigned • Communicate with supervisor on potential loan losses. • Review the files of all charged off loans and recommend internal recovery efforts if appropriate. • Prepare and forward charged off loan files to the appropriate legal counsel. • Prepare and maintain the Repossession List. • Assist in the preparation of the monthly delinquency, charge off and troubled loan reports. • Assist Workout Officer in communication with legal counsel on collection activity. Requirements • Associates Degree or equivalent work experience • Two (2) years collections experience in a banking environment preferred • Well developed communication skills • Strong attention to detail • Excellent customer service and negotiation skills • Well developed time management and organization skills • Familiarity with financial data and reports • Ability to accept management instruction and execute tasks while under pressure • Proficient in Microsoft Office software • Able to exercise appropriate judgment and seek/involve management when necessary • Experience working in a team-oriented, collaborative environment