SUMMARY
Notifies or locates customers with delinquent Consumer accounts, and attempts to secure payment by performing the following duties;

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

Mails form letters to customers to encourage payment of delinquent accounts.
Confers with customer by telephone in attempt to determine reason for overdue payment, reviewing terms of sales, service, or credit contract with customer.
Negotiates workout arrangements on consumer/mortgage loans.
Contacts delinquent account customers in person when necessary.
Records information about financial status of customer and status of collection efforts.
Orders service disconnection, prepares information for repossession of collateral.
Works one on one with;

MGIC (insurance) representative, with respect to mortgages.
USDA
Fannie Mae
Law Firms in our foot print
Local Magistrate's office
Commercial/Consumer/Mortgage Loan Officers as well as Deposit Ops.

Sorts and scans correspondence.
Prepares civil complaints, attends civil hearings and Sheriff sale's when necessary.
Receives payment and prepares amount paid to customer account for teller posting.
Uses all resources available to trace customers.
This job does not require teller capabilities. It does require maintenance capabilities.
Reviews various reports such as Delinquency reports and maturity loan reports.
At times, prepares reports for monthly Delinquency meeting with Board members
Assists in research when problems occur on loan/deposit accounts.
Assists in loan workouts.
Works on special projects as necessary.
Maintains current knowledge of and adhere to the BSA Policy.
Helps co-workers with collecting when needed.

SUPERVISORY RESPONSIBILITIES
This job has no supervisory responsibilities.

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 and/or EXPERIENCE
Associate's degree (A.A.) or equivalent from two-year college or technical school; or six months to one-year related experience and/or training; or equivalent combination of education and experience.

LANGUAGE SKILLS
Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, client, customers, and the general public.

MATHEMATICAL SKILLS
Ability to calculate figures and amounts such as discounts, interest, commissions, bonuses, etc.

REASONING ABILITY
Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule fore.

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; use hands and fingers to operate office equipment, telephones, etc.; and talk or hear. The employee is occasionally required to stand, walk, and reach with hands and arms. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, and ability to adjust focus.

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.