Collection Representative II - Asset Finance

Collections Representative II - Asset Finance

Summary: 

The Collections Representative II - Asset Finance is responsible for the overall effective management of delinquency levels of an assigned portfolio of accounts within the 30–89-day aging categories.    This involves making of outbound calls and sending letters to delinquent customers as necessary to collect past due amounts, reconciliation of moderately complex payment and billing histories and negotiation of payment arrangements.  Periodically pulls and analyzes credit information from various sources in order to recommend appropriate actions on problem accounts up to and including repossession, modification where appropriate and/or the transfer of accounts to late-stage collections or the Financial Recovery group.  This role may also involve direct contact with our program/dealer partners and/or our serviced by other sources to assist with problem accounts and reconciliations. Determination of the appropriate time to place customers in default status and following the appropriate steps to do so.

Job Responsibilities:

• Manage delinquency levels within the assigned portfolio through the use of outbound calls, letters and use of third-party providers.

• Assist customers with account reconciliations utilizing payment and billing histories.

•  Access and analyze appropriate credit information (i.e., consumer and commercial credit bureau reports) when appropriate.

• Communicate effectively with customers and/or their representatives as well as internal business partners to effectively solve delinquency issues.

• Recommend paths to resolution to customers and internal stakeholders including negotiation of payment arrangements, recommendations for modification, default, or repossession.  

• Spend approximately 40% of time processing the above items, for more complex loan and lease transactions including capital market buy/sell, portfolio purchases and indirect activities.

• Spend approximately 10% of time working on special projects and due diligence activities.

• Perform other duties and projects as assigned.

Required Education:

Bachelor’s Degree in Finance, Accounting, Economics or equivalent work experience.

Required Qualifications:

• 3-7 years of prior consumer or commercial collections experience.

• Strong written and verbal communication skills with attention to detail.

• Strong analytical and problem-solving skills.

• Ability to multitask in a deadline driven fast paced environment.

• Ability to make sound responsible decisions in a timely manner.

• Thorough knowledge of various software programs including Word and Excel, and the ability to quickly learn additional systems/software.

Preferred Qualifications:

•   Leasing or financial services experience.

•   Direct commercial collections experience.

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Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay)

Workplace Type:

Huntington is an equal opportunity and affirmative action employer and is committed to providing equal employment opportunities for all regardless of race, color, religion, sex, national origin, age, disability, sexual orientation, veteran status, gender identity and expression, genetic information, or any other basis protected by local, state, or federal law.

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