Collection Specialist

Socket.dev; Winter Haven (FL); Hybrid; USD 35,000 - 52,000; Full time

Job summary

SouthState is seeking a collections professional to manage delinquent accounts from a hybrid work location in Winter Haven, FL. The role focuses on outreach by mail, phone, and email to establish repayment schedules and ensure compliance with bank policies.

The ideal candidate has 2+ years in collections or banking, strong communication, and solid computer skills including Microsoft Office and Fiserv systems. The position emphasizes accuracy and professional conduct in all customer interactions.

Qualifications

• Associates degree or equivalent experience preferred.
• Minimum two years collections or banking experience.
• Strong organizational and computer skills, especially with Microsoft Office.

Responsibilities

• Locate and notify customers of delinquent accounts by mail, phone, and email.
• Determine reasons for overdue payments and review loan terms for default requirements.
• Advise customers on actions and develop repayment plans.
• Record customer financial status and collection efforts in the system.
• Process loan payments, transfers, and wires.
• Prepare documents for recourse actions (foreclosure, repossession, etc.).
• Send notices per policy and procedures.
• Adhere to Code of Conduct and bank policies.

Skills

Communication

Microsoft Word

Microsoft Excel

Microsoft Outlook

Fiserv

Education

Associate degree or equivalent experience

High school diploma or equivalent

Tools

Fiserv Collection System

Job description

The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward. Since our beginnings in the 1930s to becoming a trusted financial partner across the South and beyond - we are known for combining personal relationships with forward-thinking solutions.

We are committed to helping our team members find their success while maintaining the integrity of our values: building trust, fostering lasting relationships and pursuing excellence. At SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here!

SUMMARY/OBJECTIVES

Performs duties necessary to collect past due accounts to maintain acceptable delinquency rations. Counsel’s delinquent customers and helps establish repayment schedules. Follows the policy and procedures set forth by the bank exercising competency, courtesy, and highest level of professionalism.

ESSENTIAL FUNCTIONS

It is the responsibility of the Collection Specialist to take ownership of all tasks and challenges that they encounter in the operation of the assigned position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Locate and notify customers of delinquent accounts by mail, telephone, and email.
• Determine reasons for overdue payments and review loan documentation for terms and default requirements.
• Advise customers of necessary actions and develop strategies for repayment.
• Record information regarding financial status of customer and all collection efforts into the Fiserv Collection System.
• Process loan payments, phone transfers and wires the same day as received.
• Prepare required documents for recourse action as a result of no attempts on the customer’s behalf to rectify the debt. (Foreclosure, repossession, Charge off, etc.)
• Responsible for sending appropriate notices to customers as directed within the policy and procedures.
• Compliance with the banks Code of Conduct, Ethics, and other operating policies and procedures.

COMPETENCIES

• Persistent, self-assured and goal driven. Self-starter who is organized and capable of maintaining accurate records.
• Must be capable of communicating effectively while consistently representing the bank with the highest degree of professionalism.
• Knowledge of economic and accounting principles and practices, the ability to compile, code, categorize and calculate data. Strong communication skills. Microsoft Word, Excel, Outlook, Fiserv.

Qualifications, Education, and Certification Requirements

• Education: Associates degree and/or equivalent experience preferred. Minimum of a high school diploma or equivalent experience.
• Experience: Minimum of two (2) years collections or banking.
• Certifications/Specific Knowledge: Strong organizational, communication, and computer skills (particularly with Microsoft Office products).

TRAINING REQUIREMENTS/CLASSES

• Successful completion of probationary period. Required annual compliance training.

PHYSICAL DEMANDS

• Must be able to lift up to 25 pounds, must be able to stand and/or sit for long periods of time. Must be able to effectively access and interpret information on computer screens, documents, and reports.

WORK ENVIRONMENT

This position works in hybrid status. When working in the office, a cooled and heated facility with access to a break room and rest room is provided for breaks during the work day. When working from home, a secure home office environment that is free from background noise and distractions is required. Also having a reliable private internet connection that is not supplied by use of cellular data (hot spot) is needed. Cable or fiber connections are preferred. Requirements are subject to change, as new systems and technology is delivered. Travel may be required to attend meetings as needed.

Work Location: 1101 First Street South Winter Haven, Florida 33880

Equal Opportunity Employer, including disabled/veterans.