Collections Counselor

Collections Counselor - Sioux Falls

First Dakota is hiring a Collections Counselor to join our Sioux Falls team! This position will provide support to the VP Collections by providing timely and consistent collection efforts on past due retail, real estate loans and overdrawn checking accounts. Maximize recovery on losses sustained on loans, checking accounts or accounts with fraudulent activity by utilizing the most cost effective recovery channels.

Hours include:
Monday-Friday 8:00 AM - 5:00 PM.

• Work daily department reports.
• Initiate contact with delinquent retail and/or mortgage loan customers and customers with overdrawn checking accounts to negotiate acceptable payment arrangements.
• Prepare and distribute charge off reports for loans, lines of credit and DDA accounts.
• When applicable, initiate the repossession process in a timely and efficient manner.
• Arrange for the sale or liquidation of any repossessed collateral.
• After collateral has been liquidated and a deficiency exists, initiate appropriate reassignment to collection agencies or begin the legal process by using the most efficient means to maximize recovery.
• Assist VP Collections in the preparation of department reports.
• Assist VP Collections to provide timely response to credit report disputes through E‑Oscar.
• Locate customers through the use of applicable skip trace tools.
• Understand laws and regulations related to Bank operations and perform duties in accordance with these regulations. Successful execution of all compliance responsibilities as required to effectively complete all specific job duties.
• Other duties as assigned.

Attributes include a positive attitude and good work ethic. The ability to process a variety of tasks accurately and efficiently, the capability to maintain strict confidentiality, attention to detail and comply with all Bank policies and procedures. Communicate effectively with clientele, co‑workers and departments to resolve an assortment of needs. Strong organizational skills and the ability to work well in a team environment.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements are representative of the knowledge, skills, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

High school diploma or general education degree (GED).

Minimum 2 years collection experience, knowledge of consumer rights and governmental regulations as it relates to collection activity, and a broad understanding of collateral liquidation alternatives.

Office:
The work environment of this job includes interacting with others in an office setting, and the noise level is usually moderate.

Light:
The physical demands of this job include bending, sitting, and occasionally lifting up to 10 pounds with or without reasonable accommodation.

• Adaptability - Adapts to changes in the work environment
• Attendance/Punctuality - Is consistently at work and on time;
  Arrives at meetings and appointments on time
• Career Apparel - Adheres to the Career Apparel policy;
  Demonstrates professional appearance during Bank hours or at after‑hours Bank functions
• Customer Service - Responds promptly to customer needs including requests for service and assistance;
  Provide courteous, personal attention to promote ongoing relationship servicing with customers
• Dependability - Follows instructions, responds to management direction;
  Takes responsibility for own actions;
  Keeps commitments;
  Completes tasks on time or notifies appropriate person with an alternate plan
• Design - Demonstrates attention to detail
• Initiative - Looks for and takes advantage of opportunities;
  Asks for and offers help when needed
• Innovation - Shares suggestions for improving work
• Interpersonal - Maintains confidentiality;
  Remains open to others' ideas and tries new things
• Judgment - Exhibits sound and accurate judgment
• Motivation - Measures self against standard of excellence
• Communication - Listens and gets clarification;
  Responds well to questions;
  Participates…