About the Position:

Using excellent customer service skills, an Early-Stage Collections Representative at Crescent Bank works to successfully collect past-due loan payments from our customers. This is a critical role in our organization and ultimately helps in achieving our overall company goals and ensuring company profitability.

The person in this role will have a “Put The Customer First” mentality and be able to effectively and efficiently use our in-house call model to be able to accept 200+ calls daily and average speaking with 10-20 customers daily. An ideal candidate for this role will also take ownership of their work and be engaged in meeting and exceeding Quality Assurance guidelines at a level of 90% or above. Someone  who takes pride in their ability to be a reliable teammate by meeting and exceeding established attendance guidelines will be a critical piece of this role.

What we are looking for:

To find success in this position, a candidate should have excellent communication skills with prior collections related experience. Great time management skills and the ability to use time productively and efficiently will also contribute to success in this position.

About Crescent Bank:

Crescent Bank began in 1991 as a small New Orleans based community bank. Today, Crescent Bank has a presence nation-wide and is on a mission to leverage technology to provide auto lending and savings access to consumers who may not be served by other traditional banking products.

Crescent Bank prioritizes employee growth and advancement- both as employees and as individuals- through our core values and through the benefits we offer.

Our Core Values include: Be a Team Player, Continuously Improve, Do the Right Thing, Put the Customer First, & Take Ownership

We are proud to offer the following key benefits:

• Workplace flexibility for eligible positions


• All the insurance programs you’d expect- health, dental, vision, life, disability, + more


• Multiple types of paid time off


• Retirement program with company contribution


• Paid parental Leave


• Award-winning Wellness programs


• Tuition Reimbursement


• Payroll on Demand- access your pay when you need it most.

Full job description:

We are seeking a dedicated and results-driven Collection Agent to join our team. As a Collection Agent, you will be responsible for contacting individuals with outstanding debts, negotiating payment plans, and ensuring timely payments. Your primary goal will be to recover outstanding balances while maintaining positive relationships with customers.

The ideal candidate will play a pivotal role in managing the consumer loan collections department, ensuring effective and efficient recovery of past due accounts, while maintaining excellent customer relations and adherence to both Federal and State regulatory requirements, including FDCPA.

Duties & Responsibilities:

• Contacting debtors via phone, to discuss and make payment arrangements on outstanding debts


• Handle inbound calls for both collections and customer service


• Reducing payment delinquency by expediting resolution of unpaid accounts


• Negotiate payment arrangements to bring accounts out of collections status.


• Manage call handling of~200+ accounts a day


• Keep accurate records and documentation of activity on accounts


• Enable a work environment that encourages respect and collaboration.


• Follow policies and procedures as set forth by the company


• Adhering to all applicable state and Federal laws and regulations governing debt collection practices, including FDCPA


• Complete all mandatory training required


• Any other duties as assigned by management

Qualifications

• Proficient in MS Office: Word, Outlook, and Excel


• 1 year of collection’s experience is required, previous collections experience preferred.


• High school diploma or general education degree (GED)


• Highly skilled in negotiations


• Strong written and oral communication skills.


• General knowledge and understanding of handling inbound and outbound calls in a call center environment.


• Preferred knowledge of auto collections operations, consumer loan contractual obligations and the Fair Debt Collections Practices Act.


• Ability to use one's time effectively and productively.


• Shows great care and attention to detail.


• The ability to adapt to change easily.


• Ability to take ownership for meeting individual, team and departmental goals


• Bilingual (Spanish) is a plus


• Required to work 40 hours per week

Incentive plan available

Work in our Carrolton, TX office (This is a hybrid position)

Job Type: Full-time

Benefits:

• 401(k)


• 401(k) matching


• Dental insurance


• Health insurance


• Life insurance


• Paid time off


• Vision insurance

Physical setting:

• Call center


• Office

Equal Opportunity Employer/Veterans/Disabled