Collector - WFI

Collector - WFI

Western Funding, a dynamic and fast‑growing auto finance company, believes in PEOPLE with the PURPOSE and PASSION to assist our dealer partners throughout North America. Western Funding is a fast growing, specialized consumer finance company and subsidiary of Westlake Financial Services, providing automobile financing to borrowers with limited access to traditional credit. Our Internal Sales Representatives are individuals with the vision and dedication needed to assist our current and future dealer partners to sell more cars and trucks by financing more customers.

We are looking for an Account Representative who can handle inbound and outbound calls while providing excellent service. Our Account Representative assists customers in the early stages of collections, using technology and resources to resolve accounts 30 to 59 days past due. The Account Representative is expected to be comfortable in dealing with challenging situations while proactively providing options or solutions to prevent or resolve delinquent accounts.

The team conducts training to ensure you are equipped with proper knowledge and enough skills to perform the role. You will be supported and will be encouraged to raise questions to yield good results. The team prioritizes career progression of its members and attempts to promote internally before hiring outside the organization.

As an Account Representative, you will manage a queue of accounts within the 30–59 days past‑due delinquency range to prevent loan losses through progressive collection efforts. You will make both inbound and outbound calls throughout the day, negotiate with customers to create payment solutions based on individual circumstances, conduct light skip‑tracing activity to generate potential leads on customers or collateral, review and submit accounts for repossession activity based on mitigating factors, execute collection efforts as directed by the department manager, and actively participate in team and department meetings to improve workflow, collection processes and department efficiencies.

You must protect the confidentiality of all aspects of the company's operations, portfolio, customer information, and computer technology.

Qualities we look for in our Account Representative:

• High School graduate (diploma required, or equivalent).
• At least 2 years of experience in unsecured or sub‑prime auto finance collections.
• Excellent communication, negotiation and writing skills.
• Working knowledge of state and federal laws applicable to collections, including the F.D.C.P.A., T.C.P.A. and Robbins‑Rosenthal Act.
• Ability to maintain an 8‑hour shift Monday‑Friday, with flexible schedule, willingness to work weekends and overtime.
• Capability to operate effectively in a high‑pressure, high‑volume environment.
• Goal‑oriented with a desire for improvement and advancement.
• Ability to communicate and work amicably with diverse teams.
• Knowledge of any of the following tools and software:
  Daybreak, Basic MS Excel, Basic MS Outlook, Skip Tools, E‑collect,

What do we offer?

• Medical, Dental, and Vision benefits.
• Life Insurance and Long‑term disability plans.
• Flexible Spending Account.
• 401(k) matching.
• Employee Stock Ownership Program in an $18.2 Billion Company, with company matching.
• Wellness Programs.
• Metro Tap Card and Metro‑link Reimbursement (for Los Angeles, CA employees only).
• Career Path Opportunities.
• Discounts on parks, museums, movie tickets, and attractions.
• Employee Loan Assistance.
• Annual flu shot.
• Paid vacation days.
• Paid sick days.
• Paid holidays.
• HGym (available in our Los Angeles, CA & Dallas, TX office).
• Rental car discounts, Dell Member Purchase Program.
• UKG Wallet.

We will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable state and local laws, including the City of Los Angeles' Fair Chance Initiative for Hiring Ordinance. We are an equal‑opportunity employer and do not unlawfully discriminate in employment. No question on this application is used for the purpose of limiting or excluding any applicant from consideration for employment on a basis prohibited by local, state, or federal law.

Equal access to employment, services, and programs is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify a representative.