Bilingual Collections Officer resolving delinquent loans, credit lines, accounts, and mortgages for Manulife Bank. Negotiating repayment solutions while protecting clients and Bank interests.
Responsibilities
Own the full collection process for delinquent or past-due payments through account cure or write-off
Handle collections for loans, lines of credit, bank accounts, and mortgages
Manage and resolve complex delinquent accounts accurately and promptly
Process payments and adjustments according to company policies
Review incoming client correspondence and determine required actions or next steps
Investigate and analyze accounts to assess clients’ ability to repay debt
Negotiate payment arrangements within credit policy guidelines
Maintain account records documenting customer financial status and collection efforts
Escalate legal or third-party notices when Bank security is at risk
Balance customer expectations with reputational risk in sensitive situations
Maintain client privacy and confidentiality and comply with Bank and Compliance policies
Review and recommend solutions for escalated client complaints
Develop negotiating and problem-solving skills while creating repayment arrangements
Learn Manulife Bank products and assist clients with their financial situations
Requirements
1-3 years of previous collection/recoveries experience, ideally with mortgage collection
Fully bilingual in French and English, written and verbal
Knowledge of laws, rules and regulations governing collection functions in various provinces
Analytical, interpretive, judgment and problem-solving skills
Ability to adapt quickly to changes and fluctuating work volumes in a fast-paced environment
Ability to read and interpret mortgage/loan agreements and legal documents, including bankruptcy notices and filing Proof of Claims
Ability to manage competing priorities
Ability to collaborate with geographically and culturally diverse cross-functional teams
Openness to change and continuous improvement
Strong/advanced competency in Microsoft Office Suite and Salesforce is a nice-to-have
Comprehensive understanding of Manulife Bank products and services is a nice-to-have
Strong written and verbal communication skills
Ability to communicate with disgruntled or irate customers and advisors
Results-oriented
Benefits
Incentive programs and incentive compensation tied to business and individual performance
Health insurance
Dental coverage
Mental health benefits
Vision coverage
Short-term disability insurance
Long-term disability insurance
Life and AD&D insurance coverage
Adoption/surrogacy benefits
Wellness benefits
Employee/family assistance plans
Retirement savings plans
Pension
Global share ownership plan with employer matching contributions
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