Collections Specialist II

Since 1927, the Mariner Finance family of companies has provided customers with creative, flexible, and convenient lending options. Headquartered in Baltimore, Mariner Finance operates coast-to-coast with physical locations in over half the states. With a growing number of employees, superior customer service remains the cornerstone of our business, and we pride ourselves in delivering a variety of loans with an enhanced focus on exceptional service. We work with customers to find options that are beneficial to their specific needs, which is why we are recognized by our customers as one of the community’s consumer finance companies of choice.

In this role, you will...

Support branch locations in late-stage collections activity on both open and charged-off accounts. Play an integral role in achieving company goals and objectives through daily outbound call efforts.

Responsibilities and Duties:

• Work within the collection system to make contact with delinquent debtors when accounts are past due. Utilize effective problem-solving and persuasion techniques to negotiate terms resulting in resolution of delinquency or mitigating potential future loss.
• Maintain a high level of professionalism when interacting with debtors to ensure call quality standards.
• Document all collection activities accurately and thoroughly in accordance with company policies and procedures.
• Coordinate collection of delinquent accounts through third-party service providers, including but not limited to, collection attorneys, debt settlement companies, and repossession companies.
• Strictly comply with applicable federal, state, and local laws and provisions regarding debt collection of states in which Mariner operates.
• Follow collection policies and procedures of the company. Stay informed of updates to company policy and promptly implement applicable changes.
• May perform additional functions depending on market demand and staffing in order to provide consistent quality customer service.

Required Qualifications:

• High school diploma or equivalent.
• Minimum of one (1) year of comprehensive experience in collections or dialer use in consumer lending.
• Basic knowledge and understanding of consumer finance, bankruptcy, repossession and relevant consumer protection provisions under federal and state law.
• Professional, customer-focused attitude with the ability to effectively negotiate and problem-solve, think quickly, and react calmly under pressure or in demanding circumstances.
• Excellent interpersonal skills necessary to communicate professionally and effectively, verbally and in writing, with customers, vendors, third parties, and all levels of company staff.
• Proficiency in Microsoft Office Suite.
• Ability to maintain confidentiality and handle sensitive information with discretion.
• Ability to multitask, stay organized, and prioritize tasks effectively to complete assigned duties/functions in a timely, accurate manner.

Hours of Work:

Full-time. Work hours will depend on the business hours of the time zone serviced.

To the extent permitted by law, the Company may, in its sole discretion, change the work schedule to address business needs.

Physical Demands:

While performing the duties of this job, the employee is frequently required to sit for extended periods; reach with hands and arms; operate computer and phone systems; and talk or hear. The employee is occasionally required to move about. The employee must occasionally lift and/or move up to twenty (20) pounds. Specific vision abilities required by this job include close vision and the ability to adjust focus.

EEO:

Mariner Finance is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, creed, sex, gender, gender identity or expression, marital status, age, religion, national origin, sexual orientation, familial or caregiver status, citizenship status, status as a victim of domestic violence, medical condition, genetic information, pregnancy, physical or mental disability, or status as a disabled or Vietnam era veteran. Employee must be able to perform the essential duties/functions of the position satisfactorily and, if requested, reasonable accommodations will be made to enable employees with disabilities to perform the essential duties/functions of their job, absent undue hardship. Drug/Alcohol/Smoke-free workplace. 

This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee. Duties, responsibilities, and activities may change or new ones may be assigned at any time or without notice.

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