Collections Manager

• Employee Type FT Regular Exempt

• Name Brittney Bierman

We know what you're thinking. "What kind of name is Incredible Bank?"

Well, we're glad you asked.

With a name like Incredible Bank, we have a lot to live up to. Our name is a promise we make every day to our customers and to our team members (and hey, that could be you!). A promise that we strive to be incredible in everything we do. A promise that will help our customers, fellow team members, and our communities to do the incredible.

At Incredible Bank, we're all about ICE. What's ICE? ICE stands for Incredible Customer Experience TM (that's right - an experience so good and so important we trademarked it). ICE illustrates the core values that drive everything we do - how we conduct business, how we treat each other, and how we continuously strive to build on our model of customer-focused banking.

Our core values have been in place for more than 50 years and continue to influence every aspect of our operation today.

So - how canyouhelp us live up to our name?

We are eager to dis cuss the prospect of you joining our team as our next incredible team member!

The Collections Manager leads the Bank's collections, residential mortgage default servicing, loss mitigation, recovery, and default servicing activities. This role is responsible for developing and executing collection strategies that minimize credit losses, protect Bank assets, support regulatory compliance, and provide fair and consistent solutions for borrowers experiencing financial hardship. Duties and responsibilities may include:

• Lead, coach develop, and evaluate employees responsible for collections, recovery, and default servicing activities to build a high-performing team and ensure consistent service delivery.
• Assign and monitor workloads based on delinquency status, portfolio risk, employee expertise, and business priorities to maximize operational efficiency and collection effectiveness.
• Maintain appropriate workload distribution, cross-training, backup coverage, and succession planning to ensure business continuity and minimize operational disruption.
• Direct collection and recovery activities for consumer loans, residential mortgages, and overdraft accounts to reduce delinquency levels and minimize portfolio losses.
• Analyze delinquency trends, portfolio performance, and collection results to identify opportunities for improved recovery outcomes and process efficiencies.
• Maintain ownership of consumer and residential mortgage watchlist loan administration, including monitoring higher-risk relationships, coordinating action plans, and escalating concerns to support proactive risk management and portfolio performance.
• Approve and recommend repayment plans, loan modifications, settlements, extensions, and other workout solutions that balance borrower needs with the Bank’s financial interests.
• Exercise delegated loan approval and decisioning authority in accordance with established loan policy and assigned lending limits.
• Oversee bankruptcy, foreclosure, repossession, garnishment, and collection litigation activities to protect the Bank’s collateral and legal interests.
• Manage relationships outside attorneys, collection agencies, repossession vendors, and other third-party partners to ensure effective and compliant resolution of defaulted accounts.
• Manage residential mortgage delinquency, default servicing, and loss mitigation programs to reduce foreclosure risk and support sustainable borrower resolutions.
• Oversee borrower assistance programs, workout arrangements, and foreclosure prevention initiatives to improve customer retention and loan performance.
• Ensure servicing activities comply with applicable investor, insurer, and regulatory…