This position is responsible for collecting delinquent auto loan accounts by locating and contacting past due borrowers. As an Account Representative you will negotiate payment arrangements with borrowers on delinquent accounts, offer suggestions as to how they can meet obligations, propose alternative methods, establish payment procedures, monitor to ensure the borrower’s commitment to pay is kept and document all collection actions in the system.   Using tact and following all FDCPA and company policies you will also advise customers as to possible consequences of not meeting their obligation.
 
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.
  
• Performs all activities related to collecting amounts due on auto loans in compliance with United Auto Credit Corporation’s policies, procedures and practices as well as all state and federal regulations including all requirements of the Fair Debt Collection Practices Act.
• Make approx 100 calls daily (outbound and inbound) to borrowers collecting on their delinquent auto accounts.
• Make recommendations and provide solutions to assist borrowers in resolving their delinquent status to keep them from charging off as a bad debt.
• Negotiate payment arrangements with borrowers such as promises to pay, electronic check payments or money orders as requested by the borrower.
• Assist borrowers who attempt to voluntarily surrender their vehicle to keep their vehicle while maintaining loan arrangements.
• Accurately and professionally document systems with details of current contacts and subsequent results.
• Skip tracing using tools provided by the company.
• Meet or exceed production metrics as directed by management; which are measured daily, weekly and monthly.

QUALIFICATIONS AND EXPERIENCE REQUIREMENTS:   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.

• Minimum of 2 years experience in consumer collections required
• MUST have a solid recent work history
• Must possess strong negotiation, problem solving, and probing skills that are utilized in a professional manner
• Assertive, clear and concise written/oral communication skills
• Self Motivated and dependable
• Familiarity with the auto finance industry helpful
• Good telephone communication techniques and ability to be on the telephone for long periods of time
• Ability to meet goals and deadlines in a fast paced, metric driven environment
• Must be flexible to work various work schedules between 8am - 8pm and half day Saturdays as business needs dictate.
• Effectively manage time, multi-task, and prioritize while working in a blend (incoming/outgoing call) environment to complete daily tasks
• Knowledge and compliance of FDCPA Regulations
• Recent college grads that are driven and not afraid of the phones are welcome to apply!