Collections Representative-Auto/Marine/RV
Company: Bank of the West
Location: San Ramon
Posted on: January 27, 2023
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Job Description:
**Collections Representative-Auto/Marine/RV**
**Description**
**Description External**
At Bank of the West, our people are having a positive impact on the
world. We're investing where we feel we can make the most impact,
like advancing diversity and women entrepreneurship programs,
financing for more small businesses, and promoting programs for
sustainable energy. From our locations across the U.S., Bank of the
West is taking action to help protect the planet, improve people's
lives, and strengthen communities. We are part of BNP Paribas, a
global leader supporting the UN Sustainable Development Goals
(SDGs). Yes, we're a bank, but as the bank for a changing world, we
are continually seeking to improve the ways we help our customers,
while contributing to more sustainable and equitable growth.
**Job Description Summary**
Responsible for performing various collection duties on consumer or
mortgage accounts in various stages of risk or performance to
effectively reduce delinquency, losses and increase recoveries.
Areas of delinquencies are categorized as follows:
* Installment loan accounts
* Revolving accounts
* Lease accounts
* Credit card accounts
* Overdraft / Goldlines
* Mortgage loans Accounts and calls are moderate in nature.
Performance objectives will be assigned on an individual basis
regarding specific area(s) of responsibility.
**Essential Job Functions**
+ Take all necessary actions to collect payments or charge-off
recoveries via predictive dialer or by manual inbound/outbound
calls.
+ May initiate and prepare files for repossession, charge-off, NOD
and skip trace.
+ Ability to assess customer's financial situation for possible
referral for loss mitigation.
+ Uses various collection systems to update customers' accounts and
to send correspondence.
+ Understands and adheres to the Fair Debt Collection Practice Act,
Collection Laws, and Fair Credit Reporting Act.
**Other Job Duties**
+ Other job duties may include the following: Understands and
adheres to Fannie Mae (FNMA), FHA (HUD), Veteran's Administration
(VA), and all private mortgage insurer's (PMI) rules and
guidelines.
+ Performs other duties as assigned.
**Qualifications**
**Education**
+ High School Diploma or GED Required
**Work Experience**
+ Requires limited job knowledge of systems and procedures. Follows
basic work routines and standards.Typically, does not require prior
experience.
**Skills**
+ Good knowledge of consumer and or mortgage collection
activities
+ Knowledge of Fair Debt Collection Act, Collection Laws and Fair
Credit Reporting Act
+ Bilingual is a plus, but not required.
**Working Location Statement**
This position has the option to work in one of our key hubs (San
Ramon, CA,)
**Hourly Hiring Range** _:_
$17/hr - $22.84/hr
**_The base salary compensation offer to candidate may vary based
on candidate's_** **_geographic location, work experience,
education, and/or skill level_** **_._**
**_Benefits:_** Visit
https://www.bankofthewest.com/about-us/careers/benefits.html for
benefits information.
**"To protect the health and safety of our employees and customers,
Bank of the West requires all U.S. employees to provide proof of
their vaccination status. Employees who are not fully vaccinated
must undergo regular testing beginning May, 2022."**
**Equal Employment Opportunity Policy**
Bank of the West is an Equal Opportunity employer and proud to
provide equal employment opportunity to all job seekers without
regard to any status protected by applicable law. Bank of the West
is also an Affirmative Action employer - Minority / Female /
Disabled / Veteran.
Bank of the West will consider for employment qualified applicants
with criminal histories pursuant to the San Francisco Fair Chance
Ordinance subject to the requirements of all state and federal laws
and regulations.
**Job:** Collections / Commercial Workouts
**Location:** United States-California-General CA
**Other Locations:** United States-California-San Ramon
**Requisition ID:** 066157
Keywords: Bank of the West, San Ramon , Collections Representative-Auto/Marine/RV, Other , San Ramon, California
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