Job Summary
The Consumer Care Representative works under close supervision and follows specific procedures and detailed instructions to make initial contact with borrowers, to inform them of delinquencies in their accounts and to advise them of the existence of several specific repayment and resolution options. The Consumer Care Representative makes routine collections and forwards more complicated accounts to the Consumer Care Specialist or other staff for resolution. The Consumer Care Representative may perform entry-level information gathering and verification for certain accounts when more senior employees, managers or the client have either recommended an account for Administrative Wage Garnishment/Litigation or have determined that the full balance cannot be collected due to bankruptcy, incarceration, medical disability, or death on the part of the borrower. In this role the position follows detailed instructions and procedures to contact employers, health care professionals, corrections/prisons officials, state and county records departments, borrowers, and/or other third parties by telephone and/or in writing to request, gather, and file necessary account information. Under close supervision and using the specific scripts and procedures, the position may conduct follow-up communications with the borrowers and employers regarding wage garnishment or rehabilitation programs. The Consumer Care Representative may receive and submit to the client hearing requests from borrowers.

Job Duties and Responsibilities

• Skip-tracing borrowers to locate current residence and employment information
• Handling incoming and outgoing collection calls
• Negotiating balance in full payments, payment arrangements or legal referrals
• Preparing consolidation paperwork
• Reviewing accounts and schedule contact dates for follow-up call

Additional duties as assigned based on Line of Business
Security
Information and Physical Security is the responsibility of every employee. In your position you are required to safe guard the computer systems by following proper username and password management which includes selecting challenging passwords and committing them to memory – they should not be written down or stored where others can freely have access. This also includes securing your desk and workstation when you are not there – this includes locking your session, and putting sensitive paperwork away when not physically at your desk. You are not to share your username or password with anyone. The physical security of our offices are equal importance, never shadow or let someone shadow your entry into a Coast Professional, Inc. facility – if this occurs quickly report this action immediately. You are required to follow all Information Technology policies and procedures in regards to the management of your system accounts and equipment. If you witness any security violation you should immediately report it to management.
Qualifications
Education
High school diploma or GED required

Experience
Collection experience preferred

Knowledge, Skills and Abilities

• Working knowledge of modern office procedures, methods, and computer equipment.
• Excellent communication skills.
• Principles and practices of customer service.
• Establish a good working relationship with team members and internal contacts in order to maintain and continuously strive to improve the level of overall service being provided.
• Good organizational skills and attention to detail.
• Ability to comply with rules, regulations, laws and methods as related to debt collection.
• Work independently in the absence of immediate supervision.
• Ability to handle and resolve recurring problems.
• Successfully complete and pass the FDCPA test.
• May be required to undergo and pass applicable background checks.

Working Conditions
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this position, the employee is regularly required to talk or hear. The employee frequently is required to use hands or finger, handle, or feel objects, tools or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms.

The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus.

The noise level in the work environment is usually moderate.
Disclaimer
This job description reflects management’s assignment of essential job functions but is not intended to be a comprehensive list of all activities, duties and responsibilities required by the job incumbent. Nothing in the herein restricts management’s right to assign or reassign duties and responsibilities to this job at any time.
This document does not create an employment contract, implied or otherwise, other than an "at will" relationship.
Coast Professional, Inc. is an Equal Opportunity/Affirmative Action Employer M/F/Vet/Disability. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or national origin.

Job Type: Full-time

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