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DescriptionBar Harbor Bank & Trust offers: competitive pay, referral incentives, an employee stock purchase plan, medical/dental/vision/life insurance plans, paid holidays, 401(k) plan, paid time off, a wellness program, continuing education benefits, and more! Bar Harbor Bank & Trust, is an independent community banking organization committed to helping its customers, employees and shareholders achieve their financial hopes and dreams. If you want to be part of our team that makes this vision a reality, please read on. Bar Harbor Bank & Trust is seeking an Account Resolution Specialist to join our team. This position can be based out of Bangor, Maine or Newport, New London, New Hampshire. The key responsibilities for this role are:
Handle the collection of past due loan payments, to include:
Timely and accurate mailing of all types of collection letters according to timeline specified in the Managed Assets Department’s written procedures and secondary market guidelines, including the general collection letters, default letters, repossession-warning letters, invade letters and special escrow arrangement letters.
Timely collection calls to customers according to timeline specified in the Managed Assets Department’s written procedures and secondary market guidelines.
Accurate update of the collection notes made for all customer contact (or attempt to contact) in the JHA system’s collection messages.
Timely collection calls to our credit card customers.
Provide charge off recommendations when consumer accounts each 120 days of delinquency.
Process right of setoff when applicable.
Coordinate with Branch Managers, various departments and other personnel as needed to facilitate customer collections.
Assist customers with delinquency resolution, including payment disputes, alternative payment arrangements, escrow arrangements and consumer loan extension agreements, including the monitoring of and follow-up with customers to ensure adherence to agree upon payment plan.
Ensure continuation of a professional image for good customer relations during the collection process. Ensure all telephone calls to borrowers are handled with respect and courtesy and in compliance with the Managed Assets Department’s written procedures.
Attempt to locate borrowers through various skip tracing techniques.
Contact customers whose checking accounts are overdrawn. Discuss plan to bring the checking account to a positive balance. Recommend Fresh Start, if appropriate.
During the collection process, determine reason(s) for delinquency by gathering information from customers, including financial information, monthly obligations, and any other information that would enable the Managed Assets department personnel help the borrower cure the delinquency.
Assist with property inspections as required and in accordance with secondary market guidelines. Ensure accurate notation of findings in JHA collection system and in accordance with Freddie Mac’s Electronic Delinquency Reporting requirements.
Assist with various servicing activities for seriously delinquent accounts, including placing properties on force-placed insurance, processing mortgage insurance claims, ordering appraisals, ordering credit reports and making sure properties are secure, maintained as required and winterized if necessary, until sold.
Enthusiastically support the Bank’s Guiding Principles and Brand Behaviors.
Adhere to federal regulatory requirements, such as the Anti-Money Laundering and Bank Secrecy Acts, and all established policies and procedures.
Responsibilities (Marginal):
Perform other duties as requested.
Strong Computer skills.
Strong oral and written communication skills.
Exceptional customer relations, negotiation and decision-making skills.
Ability to multitask in a high volume fast-paced.
Strong analytical skills and math skills.
Accuracy in recording details.
Knowledge of loan collecting rules and regulations.
Knowledge of and adherence to: Fair Credit Reporting Act guidelines, Secondary Market Investor guidelines, and Mortgage Insurance company guidelines.
Knowledge of bankruptcy laws and procedures.
Knowledge of foreclosure laws and procedures for properties located in New Hampshire, Maine and Vermont.
Required Education & Experience:
Minimum of a high school degree or the equivalent
Physical Demands and Work Environment:Physical Demands: General office environment.Work Environment: General office environment. Schedule Expectations:Full time, 40 hours per weekRequired Travel: This position requires limited travel requirements.AAP/EEO Statement:Bar Harbor Bank & Trust is an Equal Opportunity Employer, Minority/Female/Disability and Protected Veteran. These are the requirements for 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 responsibilities.Equal Opportunity Employer/Protected Veterans/Individuals with DisabilitiesThe contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)
Vacancy caducado!