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Umpqua Bank Loss Recovery Collector - REMOTE - Financial Pacific Leasing in Tacoma, Washington

Job Purpose

Responsible for recovering losses and deficiencies by way of litigation, forbearance agreements and other alternatives and maximizing dollars collected after charge off in assigned caseload. Ensures correct action is taken on bankruptcies. Performs all other duties as assigned by management.

ESSENTIAL DUTIES AND RESPONSIBILITIES

  • Responsible to meet and exceed goals (specifically, Loss Recovery) of the company in a professional and businesslike manner.

  • Achieves minimum monthly collection goal, as established in current IC Plan.

  • Communicates with lessees in assigned caseload (loss accounts) by telephone, mail, personal contact or in any other professional manner to collect monies owed to Financial Pacific.

  • Possesses and demonstrates strong telephone customer service skills.

  • Knowledge of pertinent legal, bankruptcy and FCRA laws.

  • Maintains complete and accurate collection notes on collection systems so that others would be able to understand conversations and arrangements with Lessees.

  • Maintains monthly and year to date reports on individual results.

  • Attempts to negotiate settlements within approved authority limits prior to recommending action (attorney or collections) outside the company.

  • Evaluates guarantors’ financial condition prior to suit, thereby ensuring collectable lawsuits.

  • Evaluates each assigned contract, thoroughly and accurately, for maximum collection at minimum expense.

  • Possesses knowledge of account details regarding status, guarantor, equipment location and equipment values.

  • Maintains a current knowledge of the United States bankruptcy laws and debtors rights.

  • Maintains current knowledge and adherence of UDAAP and FDCPA tenets.

  • Identifies fraudulent accounts by verifying file information (credit application, financial statements) to ensure accuracy of credit data. Researches to determine if misleading or false information impacted the original lease request and recommend courses of action when uncovered.

  • Provides highest level of Customer Service to all lessees, vendors, brokers and staff.

  • Maintains confidentiality of all company information.

  • Develops and maintains positive relationships with all Financial Pacific Company managers and staff.

  • Assists and supports other staff as needed.

  • Regular and predictable attendance and punctuality.

  • Performs all other duties as assigned by management.

SUPERVISORY RESPONSIBILITIES NO

LICENSES/CERTIFICATION

  • None required.

REQUIRED KNOWLEDGE, SKILLS AND ABILITIES

  • Must have a minimum of 10 years collections experience in a non-leasing environment OR must have a minimum of 7 years collections experience in a mature, diverse leasing portfolio with emphasis on loss account adjustment, legal and bankruptcies.

  • High school graduate or equivalent preferred.

PHYSICAL, MENTAL AND SENSORY REQUIREMENTS

Primary Physical Requirements

  • Lift up to 10 pounds: Occasionally may be required to lift and carry deliveries weighing no more than 5 to 10 pounds.

  • Lift 11 to 25 pounds: Not required.

  • Lift 26 to 50 pounds: Not required.

  • Lift over 50 pounds: Not required.

  • Carry up to 10 pounds: Occasionally may be required to carry deliveries of packages.

  • Carry 11 to 25 pounds: Not required.

  • Carry 26 to 50 pounds: Not required.

  • Carry over 50 pounds: Not required.

  • Reach above shoulder height: May occur when placing books on shelves.

  • Reach at shoulder height: Frequently occurs when answering phone or retrieving books from shelves.

  • Reach below shoulder height: Occasionally may occur when retrieving supplies.

  • Push/Pull: Not required.

Hand Manipulation

  • Grasping: Constantly when writing messages while using pen or pencil.

  • Handling: Constantly when writing messages while using pen or pencil.

  • Torquing: Not required.

  • Fingering: Occasionally to frequently may be required when typing or using computer.

  • Controls & Equipment: Telephone, typewriter/computer, calculator.

Other Physical Considerations

  • Twisting: Not required.

  • Bending: Occasionally may be required when retrieving dropped items or items from drawers.

  • Crawling: Not required.

  • Squatting: Not required.

  • Kneeling: Not required.

  • Crouching: Not required.

  • Climbing: Not required.

  • Balancing: Not required.

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