Customer Payments Specialist identifying and collecting delinquent payments for Equitable Bank. Responsible for maintaining high customer service values while managing collections in residential and commercial mortgages.
Responsibilities
Perform collections activities, both inbound and outbound, using a variety of tools and communication channels, meeting established deadlines, in a professional manner and in accordance with collections practices and privacy regulations
Identify and document the causes of payment delays, detect at-risk customers and propose appropriate solutions
Negotiate payment arrangements to bring accounts current while identifying customers who require additional support
Recommend escalation to legal proceedings when all collection steps have been completed, respecting timelines set by management
Adhere to quality, compliance and service standards in all customer interactions
Maintain rigorous, detailed records of all communications, payment agreements and follow-ups in the systems
Update mortgage systems with any client- or loan-related information
Collaborate with various teams to ensure effective collections, resolution of irregularities and/or loan management
Understand and apply current policies, procedures and guidelines
Requirements
Diploma in a related field or a minimum of 2 years of relevant collections experience
Good knowledge of commercial and residential loan products, legal terminology and applicable provincial and federal legislation
Ability to manage multiple tasks simultaneously, including navigating various systems while communicating with customers
Excellent active listening skills and the ability to build rapport with customers
Strong communication, problem-solving and negotiation skills
Ability to demonstrate empathy while remaining firm; comfortable handling difficult situations on a regular basis
Demonstrated autonomy and self-motivation, with the ability to manage critical tasks independently and prioritize effectively
Excellent interpersonal and written and verbal communication skills
Knowledge of PPlus and Collector systems is an asset
Proficiency with computer tools (MS Outlook, Word, Excel)
High attention to detail and commitment to accuracy
Strong organizational skills
Bilingual (English/French) required
Benefits
Competitive discretionary bonus
Market-leading RRSP matching program
Medical, dental and vision coverage, life and disability insurance
Employee share purchase plan
Supplemental maternity/parental leave benefits while you care for your child
Generous vacation policy and personal days
Virtual activities to connect with colleagues
Annual professional development allowance and a comprehensive development program
A rewarding opportunity to join a FinTech and help create a new kind of banking experience
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