Job description

Barnhall Financial - Bill and Account Collector

FLSA Status: Non-exempt

Hiring Manager Job Title: Collections Manager

Employment Status: Full-time Regular

Primary Location: TUPELO, MS

Job Summary: Locate and notify customers of delinquent accounts by mail, text, or telephone to solicit payment.
Duties include receiving customer payments, giving payoff quotes along with their per diem. Each collector has a cash drawer that they are individually responsible for. Making decisions on whether to repossess or litigate an account. If the vehicle is repossessed, the collector is responsible for sending the required legal documents to the customer via certified mail. They also have an obligation to find a way to get the customer back into their vehicle before the vehicle is sold at auction and the account is charged off. Collectors must be able to deescalate a disgruntled customer while remaining professional at the same time. Collectors must notate every conversation/ interaction they have with the customer in the notes section under each particular customer's account. Collectors must be able to make at least 150 calls per day. The collector must be proficient with computers along with using
Excel and Word for reports.

Education and Experience High School Diploma - or the equivalent (for example, GED)

Financial institution and/or collection experience preferred

Knowledge

Customer and Personal Service - Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.

Mathematics - A general knowledge of mathematics is a must.

Economics and Accounting - A basic understanding of simple interest, precomputed interest, and the Rule of
78s. The collector must be able to explain to the customer how interest accrues on their auto loan, and how deferments/extensions/late payments will affect their overall finance charges.

Clerical - Knowledge of administrative and clerical procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and other office procedures and terminology.

Skills Basic Skills

• Active Learning- Understanding the implications of new information for both current and future problem-solving and decision-making.
• Active Listening- Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
• Critical Thinking- Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
• Learning Strategies- Selecting and using training/instructional methods and procedures appropriate for the situation when learning or teaching new things.
• Mathematics- Using mathematics to solve problems.
• Monitoring- Monitoring/Assessing performance of yourself, other individuals, or organizations to make improvements or take corrective action.
• Reading Comprehension- Understanding written sentences and paragraphs in work related documents.
• Speaking- Talking to others to convey information effectively.

Social Skills

• Coordination- Adjusting actions in relation to others' actions.
• Instructing- Teaching others how to do something.
• Negotiation- Bringing others together and trying to reconcile differences.
• Persuasion- Persuading others to change their minds or behavior.
• Service Orientation- Actively looking for ways to help people.
• Social Perceptiveness- Being aware of others' reactions and understanding why they react as they do.

Complex Problem-Solving Skills

• Complex Problem Solving- Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.

Primary Job Duties

• Receive payments and post the payments correctly to the customer's account. Once the payment is posted, the collector must provide the customer with a receipt.
• Locate and monitor overdue accounts, using computers and a variety of automated systems.
• Record information about the financial status of customers and status of collection efforts in the system notes.
• Locate and notify customers of delinquent accounts by mail, text, and telephone to solicit payment.
• Confer with customers by telephone, or in person, to determine reasons for past due payments and to review the terms of sales, service, or credit contracts.
• Advise customers of necessary actions and strategies for debt repayment.
• Persuade customers to pay amounts due on credit accounts, damage claims, or non payable/NSF checks, or to return merchandise.
• Sort and file correspondence and perform miscellaneous clerical duties, such as answering correspondence and writing reports.
• Perform various administrative functions for assigned accounts, such as updated telephone numbers, physical addresses, mailing addresses, or any other pertinent information related to the customer's account.
• Arrange for debt repayment or establish repayment schedules, based on customers' financial situations.
• Trace delinquent customers to new addresses by skip tracing the account.
• Repossess vehicles and following the repossession through to the actual sale of collateral
• Answer customer questions regarding problems with their accounts.
• Activities

Writing - Communicating effectively in writing as appropriate for the needs of the audience.

Speaking - Talking to others to convey information effectively.

Social Perceptiveness - Being aware of others' reactions and understanding why they react as they do.

Reading Comprehension - Understanding written sentences and paragraphs in work related documents.

Persuasion - Persuading others to change their minds or behavior.

Critical Thinking - Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.

Active Listening - Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.

Note

This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will possess the skills, aptitudes, and abilities to perform each duty proficiently. Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others. The requirements listed in this document are the minimum levels of knowledge, skills, or abilities. This document does not create an employment contract, implied or otherwise, other than an “at will” relationship.

Reviewed with employee by

Signature: _______________________________ Name (print): ________________________________

Title: _____________________________________________________ Date: _____________________

Received and accepted by

Signature: _______________________________ Name (print): ________________________________

Title: _____________________________________________________ Date: _____________________

The company is an Equal Opportunity Employer, drug free workplace, and complies with ADA regulations as applicable.

Job Type: Full-time

Pay: $36,000.00 - $56,000.00 per year

Benefits:

• 401(k) matching
• Health insurance
• Paid time off
• Vision insurance

Schedule:

• 8 hour shift

Ability to commute/relocate:

• Saltillo, MS 38866: Reliably commute or planning to relocate before starting work (Required)

Education:

• High school or equivalent (Required)

Experience:

• Customer service: 1 year (Preferred)
• Financial concepts: 1 year (Preferred)
• Microsoft Excel: 1 year (Preferred)

Work Location: In person

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