Reviews assigned delinquent loans, Check Guardian accounts, and negative share accounts; prioritizes workload based on delinquency stage, balance, risk, and loss exposure; and initiates timely collection activity in accordance with established procedures. Evaluates and recommends payment arrangements, loan modifications or workout options, collateral recovery, repossession, charge-off, legal referral, and other loss-mitigation actions to the Collections Manager, consistent with policy and delegated authority.