Bilingual Asset Recovery Specialist

Vault Credit Corporation; Montreal; On-site; CAD 45,000 - 75,000; Full time

Job summary

Ein innovatives Unternehmen im Finanzsektor sucht einen engagierten Mitarbeiter für das Asset Recovery Team. In dieser Rolle sind Sie verantwortlich für die Verwaltung von Konten, die zur Rücknahme vorgesehen sind, und die Kommunikation mit Kunden, um Rücknahmen zu vermeiden. Sie nutzen effektive Techniken, um Vermögenswerte zurückzugewinnen, und analysieren die finanziellen Informationen der Leasingnehmer, um fundierte Entscheidungen zu treffen. Wenn Sie eine Leidenschaft für Verhandlungen und Kundenservice haben und in einem dynamischen Umfeld arbeiten möchten, ist dies die perfekte Gelegenheit für Sie.

Qualifications

• Mindestens vier Jahre Erfahrung im Inkasso, vorzugsweise mit überfälligen Konten.
• Fähigkeit zur Analyse finanzieller Informationen und zur Bestimmung von Rückgewinnungsstrategien.

Responsibilities

• Verantwortlich für die Verwaltung von Konten, die zur Rücknahme vorgesehen sind.
• Verhandeln von Zahlungsvereinbarungen und Überwindung von Einwänden der Leasingnehmer.

Skills

Verhandlungsgeschick

Kundenservice

Forschungskompetenz

Analytische Fähigkeiten

Zeitmanagement

Problemlösungsfähigkeiten

Education

High School Diploma oder GED

Tools

Microsoft Office

Excel

Aspire

Job description

Who we are:

Vault is a non-bank owned private lending company offering a wide array of financial services such as mortgages, business loans, equipment leasing, and other lending products. Vault has a dedicated team of experts with extensive experience in financial services and real estate. We deliver products and services that meet our borrowers' diverse needs more quickly and easily than traditional sources!

Purpose: This role involves working with our Asset Recovery Team to manage all accounts assigned for repossession, utilizing effective tools to recover company assets. Additionally, the role includes collecting payments on past-due accounts, including late charges, penalties, rent, restructures, payment plans, and settlements through verbal and written communication with lessees. Under general supervision and in compliance with policies and procedures, the role involves resolving bad debt through negotiation, skip tracing, and analyzing lessee financial information.

Reports to: Collections and Asset Recovery Manager

Essential Job Duties and Responsibilities:

1. Responsible for accounts received for repossession.
2. Communicate with customers who want to pay to avoid repossession.
3. Locate lessees using skip tracing techniques if no contact has been established.
4. Confirm asset location and optimal recovery/return timing.
5. Research recovery fees, including bailiff, transport, towing, storage, and sale commissions.
6. Determine the asset's fair market/current value to decide the best recovery method (return to vendor, auction, remarketers).
7. Assign the nearest bailiff for asset repossession.
8. Send notifications regarding the sale of the asset.
9. Calculate deficiency balances after sale proceeds are received and send deficiency letters promptly.
10. Overcome lessee objections and suggest sources for debt repayment.
11. Negotiate payoff balances, settlements, or payment arrangements on overdue accounts.
12. Review lessee financial info via credit reports and prepare files for legal action if needed.
13. Monitor payment arrangements set by Litigations Manager.
14. Maintain accurate account records and notes in Aspire.
15. Prepare weekly notes for the collections team and review accounts.
16. Assist with accounts not yet in repossession and liaise with insurance for renewals or cancellations.
17. Identify accounts for early charge-offs.
18. Respond to all incoming calls on assigned queues.
19. Meet daily and monthly performance standards.
20. Perform other duties and projects as assigned.

Supervisory Responsibilities: None

Knowledge, Skills, and Experience:

1. High School diploma or GED, with at least four years of collections experience, preferably with overdue accounts over 30 days.
2. Proficiency in English and French language, grammar, and spelling.
3. Advanced skills in Microsoft Office, Excel, email, and internet usage.
4. Ability to interpret credit reports, including Equifax.
5. Excellent organizational and time-management skills, detail-oriented.
6. Quick learner with strong research skills regarding equipment and market values.
7. Strong interpersonal and customer service skills.
8. Ability to evaluate cost-effectiveness of pursuing assets.
9. Ability to analyze financial information and determine recovery strategies.
10. Control costs related to recovery processes.
11. Make quick, sound judgment calls.
12. Creative thinking and problem-solving skills.
13. Ability to handle figures, interest, and percentages accurately.
14. Work well under pressure and meet deadlines.
15. Prioritize tasks, adapt to changing environments, and demonstrate strong work ethics.
16. Persuasion, negotiation, and conflict resolution skills.
17. Establish and maintain effective relationships internally and externally.
18. Take responsibility for tasks and complete them on schedule.
19. Work effectively in diverse teams and independently.
20. Communicate efficiently both verbally and in writing.