Bilingual Loan Collection Associate

First Community Bancshares, Inc.; Killeen (TX); On-site; USD 42,000 - 52,000; Full time

Job summary

First Community Bancshares, Inc. is seeking a Consumer Collections specialist in Texas to coordinate collection activities, negotiate payments, and educate borrowers on loan terms.

The role requires FDCPA-compliant experience and strong bilingual communication in English and Spanish. The candidate will maintain contact details, research loan histories, and work closely with the Loan Collection Manager to ensure timely resolutions and adherence to policy.

Qualifications

• At least 2 years of consumer collections in FDCPA-compliant call center environment.
• Must be fluent in both English and Spanish verbal and written communication.
• Working knowledge of Microsoft Office, Excel.
• Good communication skills.
• Experience in customer service and direct contact with customers.
• Ability to organize and prioritize.
• Must successfully pass background investigation.
• Must be able to get along with co-workers and work effectively in a team environment.

Responsibilities

• Work directly with the Loan Collection Manager to coordinate collection workflow activities.
• Locate and identify responsible parties through multiple channels and resolve past due amounts by negotiating payments, payment arrangements or other delinquency curing transactions a borrower may be eligible for.
• Identify reason(s) for delinquency.
• Research history on current loans.
• Educate borrowers and co-borrowers about their payment obligation and the terms of their loans.
• Convey the consequences of non-payment to borrowers and co-borrowers.
• Create financial, administrative, and maintenance transactions.
• Verify points of contact for borrowers and co-borrowers (addresses, phone numbers, email addresses).
• Maintain an advanced working knowledge of lending products, services and collection practices.
• Regular and predictable attendance and punctuality.
• Other duties as assigned.

Skills

Bilingual English/Spanish

Education

High School Diploma or Equivalent

Tools

Microsoft Office

Excel

Job description

• At least 18 years of age
• High School Diploma or Equivalent
• At least 2 years of consumer collections in a tested FDCPA compliant call center environment.
• Must be fluent in both English and Spanish verbal and written communication
• Working knowledge of Microsoft Office, Excel
• Good communication skills
• Experience in customer service and direct contact with customers
• Ability to organize and prioritize
• Must successfully pass background investigation
• Must be able to get along with co-workers and work effectively in a team environment

Job Description

• Work directly with the Loan Collection Manager to coordinate collection workflow activities
• Locate and identify responsible parties through multiple channels and resolve past due amounts by negotiating payments, payment arrangements or other delinquency curing transactions a borrower may be eligible for.
• Identifiy reason(s) for delinquency.
• Research history on current loans.
• Educate borrowers and co-borrowers about their payment obligation and the terms of their loans.
• Convey the consequences of non-payment to borrowers and co-borrowers.
• Create financial, administrative, and maintenance transactions
• Verify points of contact for borrowers and co-borrowers (addresses, phone numbers, email addresses).
• Maintain an advanced working knowledge of lending products, services and collection practices
• Regular and predictable attendance and punctuality
• Other duties as assigned

Physical Requirements

• Must be able to remain in a sitting stationary position for extended periods of time
• Ability to lift up to 25 lbs
• Constantly operate a computer and other office machinery

Member FDIC, Equal Housing Lender

FCBI is an Equal Opportunity Employer

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