Important Information Regarding Application Process: Please note that we do not accept resumes and encourage applicants to include work history on our formal application available via the "Apply Now" link. *Data from resume cannot be downloaded into application. We invite you to view additional job opportunities at https://www.fsbank.com/about/join-us/.
SUMMARY
First Security Bank is seeking a professional, energetic and team-oriented individual to join our team as a Credit & Collection Specialist! If you are passionate about serving our Arkansas communities and want to be part of a dynamic, service-driven team, we encourage you to apply!
In this role, you will support customers with their credit needs and ensure timely payment collection to reduce financial risk, requiring strong analytical skills, attention to detail, and professional, courteous customer service. This position requires on-site work.
QUALIFICATIONS | EDUCATION | EXPERIENCE | SKILLS
To perform this job successfully, an individual must be able to execute each essential duty satisfactorily. The items listed below are representative of the knowledge, skill, and/or abilities necessary for this position.
- Must be at least 18 years of age.
- High School Diploma or GED required.
- 1 - 2 years' banking experience or equivalent years of relevant work experience preferred.
- Internet Banking, Debit Card usage, and Call Center Experience preferred.
- Familiarity with fair debt collection practices and account service procedures and demonstrated skill in negotiation and conflict resolution preferred.
- Proficiency in Outlook, Word, Excel, typing, 10-key, and internet navigation required.
- Commitment to demonstrate Core 5 values with customers and coworkers.
HOURS OF AVAILABILITY: Regularly Scheduled Hours/Week: 40 (+) Hours | Monday - Friday 8:00am - 5:00pm | *Extended working hours may be required.
ESSENTIAL DUTIES AND RESPONSIBILITIES
- Research accounts using bank systems and online tools to establish customer contact, support loss-mitigation efforts, and manage delinquent/NSF accounts, including conducting Trans Union Locator (TLO) investigations and ChexSystems updates.
- Manage credit bureau reporting through e-OSCAR, including reviewing disputes, submitting Automated Credit Dispute Verification and Automated Universal Data (ACDV/AUD), and completing monthly error-report corrections across all major credit bureaus.
- Handle bankruptcy, charge-off, and foreclosure accounts and spreadsheets by coding loans per Metro 2 guidelines, filing claims via Public Access to Court Electronic Records (PACER), preparing required packets and documentation, completing reaffirmations, coordinating with legal counsel, updating insurance and tax records, and completing month-end reporting.
- Manage repossession files, tracking sheets, repo orders, collateral perfection, claims, and correspondence.
- Assist with credit card account services, including payment setup, account research, correspondence, and month-end reporting.
- Provide documentation and research support to attorneys, including TLO searches to obtain updated customer information.
- Monitor delinquent tax notices, track sale dates, and process redemption requests for the Commissioner of State Lands.
- Promptly contact customers regarding past-due accounts, investigate discrepancies, deliver high-quality service, and negotiate repayment plans.
- Maintain accurate, up-to-date customer files that document all communications and account activity.
- Protect all customer information and bank operations through strict confidentiality.
- Operate computer software and equipment, telephone, scanner, copier, and develop proficiency with internal banking systems.
- Maintain a valid driver's license, reliable transportation, punctual attendance, and the ability to work on-site with occasional extended hours when necessary.
- Perform additional duties as assigned by management.
SUPERVISORY RESPONSIBILITIES: None.
SOFT SKILLS
Foster a culture that values high ethical conduct, critical thinking, problem solving, engagement, teamwork, and provides exceptional service. Establish positive and productive work relationships that provide honest feedback and generate trust.
PHYSICAL DEMANDS
The employee must possess sufficient mobility to work in and move about in a standard office setting and sufficient hand, arm, and finger dexterity to operate a computer keyboard and other office equipment. Substantial time may be spent on the telephone, working on a computer, sitting and/or standing. The employee must have the ability to hear and articulate well enough to carry on a normal conversation, both in-person and over the telephone. Visual abilities required by this job include the ability to read materials in either a printed format or on a computer screen. The employee must occasionally lift and move up to 10 pounds.
The work environment described here is representative of what an employee encounters while performing the essential functions of this job successfully. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
MENTAL DEMANDS
The duties of this position require the ability to maintain attention to detail and complete work projects accurately in a short amount of time, despite interruptions. The employee must be able to interact with customers/coworkers in a calm and patient manner and maintain confidentiality and professionalism in all situations. The employee must be able to use basic mathematical skills including adding, subtracting, multiplying, and dividing numbers. The position requires the ability to read, interpret and comprehend complex documents along with the ability to draft and execute detailed written or oral instructions.
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