Collections Representative II

Primary Office

Location:

503 Martindale Street 4th Floor. Pittsburgh, Pennsylvania. 15212.

Join our team. Make a difference - for us and for your future.

Position Title:

Loan Adjustor 2

Business Unit:
Retail Lending

Reports To:

Supervisor of Loan Adjustment

Position Overview:

This position is primarily responsible for collecting delinquent accounts, preparing and compiling documentation, preparing concise correspondence, records and reports, determining appropriate collection strategies, providing supervision when appropriate and instituting legal action.

Primary Responsibilities:

Collects delinquent accounts by locating past due borrowers, distributing demand letters, contacting borrowers to establish payment procedures, utilizing effective human relation skills to obtain payments, notifying borrowers of their rights and amounts due, monitoring to ensure the borrower's commitment to pay and obtaining payments while presenting a positive image of the Bank.

Prepares and compiles documentation on all collection actions taken such as telephone conversations, alternative financial arrangements, letters mailed, conversations with borrowers and correspondence with loan officers by telephone or letter.

Documents collection actions and prepares lists of past due loans to ensure adherence with due diligence accurately and timely.

Prepares concise correspondence, records and reports by establishing and maintaining delinquent accounts records, updating files, documenting payments received, reviewing records and transactions, resolving misapplied payments, researching account transactions, completing Board or other reports, organizing and summarizing information and data and formatting letters and reports.

Determines appropriate collection strategy by analyzing the borrower's financial situation, reviewing the borrower's loan application and other file information to determine appropriate collector strategy.

Institutes legal action if instructed by preparing required paperwork, filing complaints with District Justice and referring automobile accounts to the Asset Recovery Officer while complying with policies, procedures and regulations to recover Bank assets.

Performs other related duties and projects as assigned.

All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program.

F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.

Minimum Education:

High School or GED

Minimum Years

Experience:

3

Special

Skills:

Excellent project management skills

Excellent communication skills, both written and verbal

Excellent organizational, analytical and interpersonal skills

Excellent customer service skills

Ability to use a personal computer and job-related software

MS Word - Basic Level

MS Excel - Intermediate Level

MS PowerPoint - Basic Level

Knowledge of laws that relate to foreclosure, repossession and fair debt.

Special Licenses and Certificates:

N/A

Physical Requirements:

N/A

Equal Employment Opportunity (EEO):

It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements.

FNB provides all applicants and employees a discrimination and harassment free workplace.