Collections Account Representative- Remote AZ ONLY

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Posted 5 days ago United States Salary undisclosed
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Job Description

Do you want your voice heard and your actions to count? Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 5th largest financial group in the world. Across the globe, we're 180,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world. With a vision to be the world's most trusted financial group, it's part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career. Join MUFG, where being inspired is expected and making a meaningful impact is rewarded. This is a remote position. A member of our recruitment team will discuss location preferences with you in more detail. Job Summary: We're seeking a Collections Account Representative to minimize bank losses by collecting on more complex and specialized delinquent accounts by telephone or written correspondence while effectively following the guidelines of the Fair Debt Collections Practice Act. Job Responsibilities: Collect on all types of delinquent accounts, i.e., Consumer Loans and Lines, Auto Lease and Operational Losses in an effort to prevent them from escalating to charge off. Obtain reason for delinquency and offer alternative solutions to resolve delinquency e.g., referral to Consumer Credit Counseling Services, due date changes, deferrals, short term repayment plans. Verify, update and maintain customer demographics, e.g., home address and telephone number, business address and telephone number, cellular telephone numbers or other contact numbers. Effectively manage work queues, keeping them up to date, document all collection activity. Manage work queue to ensure customers receive prompt follow up when promises to pay are broken or in-depth collection activity is required to effect collection. Typically handles a higher volume work load. Perform in-depth account analysis as necessary; review statements, last payment copies, repayment histories, verify liable parties. Utilize basic skiptracing tools to locate customers and collateral. Sources: original application/AES, BOS, RCIF, Filenet, CCS, Internet information sources, credit bureaus. Recommend next action to effect collection; chase, 3rd party letter series, repossession, litigation or charge-off. Strive to reach individual, unit and department performance objectives. Additional Responsibilities Make calls to borrowers with delinquent real estate loans and lines of credit using the Noble solutions predictive dialer. Research and analyze account activity through review of checking account statements and origination documents. Obtain reason for delinquency and offer alternative solutions to resolve delinquency e.g., refer to the Mortgage Assistance for further assistance. Verify, update, and maintain customer demographics. Document all collection activity in the MSP system. Follow up on customer inquiries. Utilize basic skip tracing tools to locate customers and collateral. Participate in call quality monitoring monthly. Qualifications: + 3 -5 years experience in collections, preferably in real estate secured portfolios + Extensive collections experience, including working in a fast-paced dialer environment + Strong negotiation, problem-solving, analytical, and oral and written communication skills + Experience in Microsoft Word, Excel, Internet Explorer and Noble dialer web-based application, along with knowledge of GSE and FHA collections + Knowledge of FDCPA, TCPA and state/federal regulations, and departmental policies and procedures + High school diploma or G.E.D. The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities duties and skills required of personnel so classified. We are proud to be an Equal Opportunity/Affirmative Action Employer and committed to leveraging the diverse backgrounds, perspectives and experience of our workforce to create opportunities for our colleagues and our business. We do not discriminate on the basis of race, color, national origin, religion, gender expression, gender identity, sex, age, ancestry, marital status, protected veteran and military status, disability, medical condition, sexual orientation, genetic information, or any other status of an individual or that individual's associates or relatives that is protected under applicable federal, state, or local law. At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them! Our Culture Principles + Client Centric + People Focused + Listen Up. Speak Up. + Innovate & Simplify + Own & Execute