Job description

The Associate, Customer Intelligence & Operations (External Collections) is responsible for the collection management of clients’ whose retail loan product, are in delinquency and requires visit or a call, as assigned by the unit supervisor. Achieving this payment collection by personally contacting the client in their residence and/or work area and performing unit inspection. Position will be working hybrid and is based in Bayamon, PR. Collection route include but is not limited to: Cayey, Cidra, Salinas, and Ponce.
MAJOR DUTIES & RESPONSIBILITIES:

• Manage and contact those loans that are delinquent to obtain default reason, payment to regularize debt, negotiate any payment adjustment or offer counsel about all the alternative the institution offers.
• Manage clients’ payments and guide them to use Bank’s digital platform for future transactions (Paynet, Mis Pagos, Bill Payment or Auto Pay).
• Assure that client information is up to date, if new contact information is obtained process the same through the proper channels to update system, such as residency address, work address and/or telephone changes.
• Detail results of the collection management, payments received, etc. Identify the problems that affect the payment handling and collection. When there is a third party involved, collect all the necessary information, and document all in the system.
• Determine which factors are affecting the debtor’s responsibility to keep his or hers account up to date; offering counsel about all the alternative the institution offers in order to regularize his or her debt.
• Receives the clients’ credit or cash payments, prepares their receipts and processes the payment’s, the same day it is received, in any of the Retail Banking branches or in the Collections Department. If unable of processing the collected payment on the same day it is received, the incumbent must process the payment on the next business day.
• Offers his or her direct supervisor recommendations, in relation to accounts that were adjusted based on the clients' economic conditions and the unit’s risk.
• Discusses with his or her supervisor the cases that have not been resolved in order to determine the best course of action.
• Available to work on site on Caguas and/or surrounding areas.
• Other duties may be assigned.

EDUCATION AND EXPERIENCE:

• Associate degree in Business Administration, Finance, Accounting or any other related field required.
• Two (2) years' experience in jobs related to money collection required.
• Minimum education and experience required can be substituted with the equivalent combination of education, training and experience that provides the required knowledge skills and abilities.
• Knowledge of Federal and State Regulations, Procedures and Policies that regulate auto loans.
• Effective technical and practical knowledge regarding payment collections.
• Procedural and policy knowledge regarding the auto loan’s overdue payments collection.
• Excellent presentation, communication and writing skills.
• Good written and verbal communication skills both in English and Spanish required.
• Ability to act and handle difficult situations.
• Solves mathematical calculations swiftly and accurately.
• Capable of exerting analysis, problem resolutions, detail-oriented and execute various task simultaneously, while maintaining the quality standards.

Oriental is an Equal Opportunity Employer (EEO Employer / Affirmative Action for Females / Disabled / Veterans)Recruitment Privacy StatementCompliance Posters

Job Type: Full-time

Work Location: One location

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