CitiFinancial (CFS) Collections Services Representative Fremont Nebraska
Citi - Fremont, NE

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Reference Code: 12039644
Location: Fremont, NE, USA
Education Level: High School Diploma/GED
Description

CFS Loss Mitigation Specialist 1
The CFS Loss Mitigation Specialist 1 has initial and frequent contact with customers. This position will identify and address early and late stage collections requirements, needs/issue, volumes, and timelines for a portfolio or group of portfolios. This position will also recommend solutions for difficult delinquent accounts, provide excellent customer service to the portfolio of customers, perform administrative tasks (such as cash drawer management, answer telephones, routine typing, order supplies and pay bills), and service accounts. The position requires direct supervision from the Center Manager and hands-on coaching from the Assistant Center Manager.

CFS Loss Mitigation Specialist 2
The CFS Loss Mitigation Specialist 2 often has initial and frequent contact with customers. This position will identify and address early and late stage collections requirements, needs/issue, volumes, and timelines for a portfolio or group of portfolios. This position will also recommend solutions for difficult delinquent accounts, provide excellent customer service to the portfolio of customers, perform limited administrative tasks (such as cash drawer management, answer telephones, routine typing, order supplies and pay bills), and service accounts. The position requires general supervision from the Center Manager and some coaching from the Assistant Center Manager.

CFS Loss Mitigation Specialist 3 (Assistant Center Manager)
The Loss Mitigation Specialist 3 helps the Center Manager produce consistent polices, practices, procedures and results in a goal oriented centralized environment. This position will identify and address early and late stage collections requirements, needs/issue, volumes, and timelines for a portfolio or group of portfolios. This position will also recommend solutions for difficult delinquent accounts, provide excellent customer service to the portfolio of customers, perform limited administrative tasks (such as cash drawer management, answer telephones, routine typing, order supplies and pay bills), and service accounts. This position should assist in planning strategies to provide knowledge and expertise to employees regarding loan and insurance products, credit and delinquency decisions, difficult account solutions, and servicing accounts. This position will be required to work with limited and general supervision from the Center Manager, while providing coaching and hands-on training to other employees in the branch regarding loan and insurance products, credit and delinquency decisions, difficult account solutions, and servicing accounts.

**NOTE** The information listed within this Description
summary is intended to indicate the general nature and level of work. It is not designed to contain or be interpreted as a comprehensive account of all the responsibilities, and/or minimum qualifications required of an employee assigned to this position. Qualifications

Education Requirements:
  • High School Diploma or GED required
Experience
  • CFS Loss Mitigation Specialist 1: minimum of 1 year of directly related experience in one or more of the following core competencies: collections or sales
  • CFS Loss Mitigation Specialist 2: minimum of 3 years of directly related experience in one or more of the following core competencies: collections or sales
  • CFS Loss Mitigation Specialist 3 (Assistant Center Manager): Three to five years of sales & finance experience (consumer finance industry preferred); OR one (1) year previous supervisory experience
Licensing Requirements
For all CFS non-Personal Loan Center (PLC) Loss Mitigation Specialist 3 positions:
Possession of an active Mortgage Loan Originator License in the applicable state at the time of hire is preferred.
All individuals hired into this position will be required to apply for and obtain any necessary state license to sell mortgage and/ or real-estate products in the time allotted by Company policy as a condition of continued employment. While requirements for licensure vary by state, in order to obtain and maintain a license you may be required to provide a summary of personal and work history, submit to periodic criminal background and credit history reviews, satisfy pre-licensure and continuing education requirements, as well as obtain a passing score on a written exam.

For all other CFS non-exempt positions (LMS 1, LMS 2, and LMS 3 (in PLC only):
Possession of an active Mortgage Loan Originator License in the applicable state at the time of hire is preferred.
All individuals hired into this position will be expected to make every attempt to obtain any necessary state license to sell mortgage and/ or real-estate products as a condition of continued employment. While requirements for licensure vary by state, in order to apply for, obtain, and maintain a license you may be required to provide a summary of personal and work history, submit to periodic criminal background and credit history reviews, satisfy pre-licensure and continuing education requirements, as well as obtain a passing score on a written exam.

CFS Loss Mitigation Specialist 1 and CFS Loss Mitigation Specialist 2 only
Problem Solving/Analytical Skills: Moderate analytical ability required to:
  • Review customer information in accordance with established credit criteria, to recommend credit decisions and product options.
  • Research and respond to customer inquiries promptly and accurately.
  • Perform mathematical calculations.
Communication Skills
  • Ability to effectively communicate with all levels of employees, management and customers.
  • Demonstrated effective verbal, written, and listening skills.
  • Professional telephone skills and manners.
Interpersonal Skills
  • Ability to work as a member of a team.
  • Demonstrated ability to work directly with people in a customer service capacity.
  • Ability to maintain lasting business relationships.
Sales and Influencing Skills
  • Ability to determine customer needs.
  • Ability to determine the right product to meet the customer need.
Office Equipment/Machines
  • Familiarity with PC-like hardware/software, including use of PC keyboard and mouse.
  • Ability to efficiently use calculators and typewriters.
Physical Demand
Mental/visual stress e.g., dealing with a high volume of calls, lifting heavy boxes, standing for extended period of time, walking for extended period of time, eye strain from extended use of computer, difficult/angry customers, driving, etc.

Additional Requirements/Skills
  • Must have a valid driver's license (PR only).
  • Must be able to work flexible hours.
  • Basic knowledge of accounting helpful.
  • Ability to function in a fast-paced environment.
CFS Loss Mitigation Specialist 3 (Assistant Center Manager) only
Problem Solving/Analytical Skills: Strong analytical ability required to:
  • Review, recommend and resolve difficult collection accounts to minimize the company's losses.
  • Analyze data to make recommendations regarding net credit losses, yields, expense control and liquidation.
  • Review, recommend and approve/decline credit decisions and product options.
  • Research and respond to customer inquiries promptly and accurately.
Sales Skills
  • Determine customer needs and determine the most appropriate solution to cure based on need.
  • Proactively solicit existing customers by offering a broad product mix.
  • Effectively overcome objections to resolve customer needs/concerns.
Communication Skills
  • Ability to effectively communicate with all levels of employees, management and customers.
  • Ability to make effective presentations.
  • Strong and demonstrated effective verbal, written and listening skills.
  • Professional telephone skills and manners.
  • Demonstrated ability to work directly with people in a sales/collection capacity.
  • Ability to maintain lasting business relationships.
Leadership Skills/ Accountability
  • Strong ability to train, develop and motivate staff.
  • Demonstrates initiative.
  • Ability to work flexible hours.
  • Ability to sit for extended period of time
  • Flexibility to attend occasional off-site meetings or trainings
  • Ability to function in a fast-paced environment while managing multiple priorities.
  • Meets all state-specific mandatory licensing, certification, training, or other requirements.
  • Required licensing for insurance sales and SAFE Act preferred.
  • Track employees to ensure they are current with training and in compliance with insurance requirements, certifications, company policy and regulatory requirements.
  • Ability to develop and implement business strategies.
  • Assist in developing Center goals and monitoring their progress.
  • Assure company funds and investments are safeguarded.
  • Comply with company policy and regulatory requirements as established in the Branch Manual and other company materials.

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