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Community Bank, N.A. · 6 hours ago

Collector

Olean, NY

Full-time

Onsite

New Grad, Entry Level

Community Bank, N.A. is dedicated to providing high-quality financial services and products. They are seeking a Collector to manage delinquent consumer real estate loans, ensuring compliance with bank and investor guidelines while maintaining accurate records and communication with borrowers.

BankingFinancial ServicesPersonal FinanceWealth Management

Responsibilities

Work and maintain past due portfolio consumer real estate loans assigned queue within collections module to reduce mortgage delinquency, apply funds to delinquent accounts, and determine need for appropriate assistance based on communications by telephone, written, or on an isolated occasion in person

Collect past due portfolio consumer real estate loans by telephone, or on an isolated occasion in person

Collect past due secondary market and guarantor, such as Federal Housing Administration (FHA), State of New York Mortgage Agency (SONYMA), Federal National Mortgage Association (FNMA), Mortgage Partnership Finance Program (MPF), Mortgage Asset Program (MAP), Federal Home Loan Mortgage Corporation (FHLMC), United States Department of Agriculture (USDA), Department of Veteran’s Affairs (VA) mortgages by telephone and written communication according to each appropriate investor’s guidelines. May meet directly with past due borrower at times

Handle inbound and outbound collection calls professionally and efficiently

Prepare and mail notifications to delinquent borrowers per investor, guarantor, state, insurer, or bank guidelines

Utilize collections module to document all collection efforts maintaining accurate records

Comply with applicable regulations including the Fair Debt Collections Practices Act, Real Estate Settlement Procedures Act, Service member Civil Relief Act, Dodd-Frank Act (UDAAP) as they relate to consumer real estate loan collections

Comply with federal bankruptcy laws and regulations to ensure accounts are handled according to plan

Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to policies, procedures, and internal controls, and meet all training requirements in a timely manner

Perform other related duties as assigned or directed

As an integral member of the Consumer Real Estate Servicing Department, this position is responsible to assist the department, as well as the Company, in achieving their goals

Qualification

Collection experienceBankruptcy lawsPC proficiencyInterpersonal skillsKeyboardingBank policiesHumilityExcellenceTeamworkIntegrity

Required

High School Diploma or GED required

All applicants must be 18 years of age or older

Keyboarding

PC proficiency including Windows

Excellent interpersonal and communication skills

Working knowledge of bank policies and procedures

Familiarity with collection, foreclosure and bankruptcy laws; fair debt collection practices and servicing requirements of various secondary market investors and government agencies

Must be able to consistently demonstrate company core values: integrity, excellence, teamwork, and humility