- Late stage collector 50-80 Dpd
- Early stage 1-50 dpd
- Loss mitigation 80-90 dpd
- Reinstatement 90-100+ dpd ( assigned for repo)
- Skip trace / skwa trace
- Negotiation experience
- Dial anywhere from 250-300 calls a day / average 5k a month
- Voicemail count 1100+ a month
- Ability to handle inbound and outbound calls in a fast-paced team environment
- Performed account reconciliation by reviewing loan ledgers, payment histories, and ACH transactions to ensure accurate balances on delinquent auto loan accounts.
- Investigated discrepancies between customer payments and system records, correcting errors and updating account status.
- Verified reinstatement amounts and payment arrangements to ensure accounts were accurately brought current and documented.
- Some steps I have used for reinstatement accounts
- Reviewed the account ledger for unpaid installments, fees, and repo-related charges.
- Calculated the total reinstatement amount needed to bring the account current.
- Verified figures with internal guidelines and system records.
- Provided the customer with the accurate payoff needed to reinstate the loan.
Contact debtors to arrange payment of their outstanding balances / with great tone
- Strong verbal communication skills / fast learning
- Set up payments ( promise to pay ) via ACH or debit. Set up cure plans and arrangements to bring the account current
- Good time management skills and the ability to prioritize work
- Ability to maintain personal/confidential information
- Accurately document all account activities and pertinent information to include, but not limited to, verifications and demographic changes.
- Utilizes all available methods, including on-line systems and other resources, to perform skip trace work to establish contact with account holders to avoid repossession or locate collateral. Takes action on accounts needing additional attention. Seeks manager approval as needed.