POSITION SUMMARY Perform collection activities via phone, mail, electronic means and rarely in person in attempt to collect funds for delinquent debt. Collects payments on all real estate loans, and /or consumer loans and negative accounts. Works with customers to originate alternative repayment methods to prevent further legal collection activities. GENERAL QUALIFICATIONS Knowledge: High School or GED required. Basic math calculations. NMLS registration. Knowledge of state and federal banking loan regulations, to include Fair Lending. Experience: Previous collection experience preferred. Skills: Must have excellent oral and written communication skills. Attention to detail. Team player with strong interpersonal skills. Must be a quick learner and have the ability to multi-task. FUNCTIONS • Assure adherence to all of the policies set forth by management, and to comply with the regulations and guidelines of all state and federal regulatory authorities as related to credit and collections. • Distribute listing of delinquent loans by officer approval code to the respective loan officers, and to work effectively with them during the initial efforts to collect past due loans. • Communicate regularly and effectively with management, keeping them informed and participating in decisions related to: - Valuation of potential loan losses for reserve purpose in accordance with Bank guidelines, - The repossession of collateral on delinquent loans as prescribed by management policy, - The strategy and procedure for handling Chapters 7, 11, and 13 bankruptcies. • Plan, coordinate and handle the repossession of collateral as determined necessary, and to liquidate such collateral in the manner determined most appropriate. • Attend bankruptcy hearings as determined necessary, in order to protect the interest of the Bank. • Prepare accurate and timely problem loan reports • Prepare timely and accurate weekly and monthly reports for management, to include listings of classified loans, recoveries on pas charge off loans, and current recommendations on loans to be charged off. • Support the renewal, refinance, and modification of loans currently in the Bank’s portfolio. • Participate in and lead bank meetings dealing with collection items. .