Collections Specialist | Portuguese Required

Bradesco Bank; Coral Gables (FL); On-site; USD 70,000 - 100,000; Full time

Job summary

Bradesco BAC Florida Bank in Florida is seeking an experienced Loss Mitigation Analyst to administer delinquent and higher-risk residential and commercial credits under established procedures and leadership direction.

You will perform collections, maintain account records, monitor portfolio performance, coordinate foreclosure and recovery actions, and prepare factual reports while ensuring compliance with BSA/AML, Bank policies, and federal/state laws.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field preferred.
• Three to five years of relevant banking, collections, servicing, loss mitigation, workout, foreclosure, recovery, or Special Assets experience.
• Strong Excel skills, including pivot tables, lookups, data validation, charts, and reconciliations; Power BI or comparable reporting-tool experience preferred.
• Excellent written and verbal English and Portuguese required; professional Spanish strongly preferred.

Responsibilities

• Manage assigned delinquent and foreclosure accounts, including borrower contacts, correspondence, payment follow-up, commitments, and next-action dates.
• Monitor delinquency, payment performance, maturities, covenants, collateral, legal status, and other signs of credit deterioration.
• Implement and track approved workouts, repayment plans, settlements, forbearance, modifications, foreclosures, liquidations, and recoveries.
• Coordinate legal and foreclosure milestones, sale dates, notices, referrals, expenses, post-sale actions, and OREO activity.
• Communicate with borrowers, guarantors, counsel, servicers, vendors, and internal teams; elevate decisions and exceptions appropriately.
• Prepare and reconcile dashboards and reports covering portfolio balances, activity, contacts, promises to pay, follow-up completion, delinquency migration, cures, recoveries, nonaccruals, charge-offs, pipeline timing, and aging.
• Investigate data-quality exceptions and provide concise factual commentary on matters requiring management follow-up.
• Maintain confidentiality, fair-treatment standards, regulatory compliance, and complete account documentation; support other reporting and departmental needs as assigned.

Skills

Strong communication

Analytical thinking

Education

Bachelor's degree in Finance, Accounting, Business Administration, Economics

Tools

Excel

Power BI

Job description

Only candidates with US Work Authorization will be considered.

Job Summary

Administers assigned delinquent and higher-risk residential and commercial credits under established procedures and the direction of the Loss Mitigation Team Leader. Performs collections, maintains account records, monitors portfolio performance, prepares factual reports, coordinates approved foreclosure and recovery actions, and escalates matters requiring management attention.

Management reserves the right to revise the job or to require that other or different tasks be performed when circumstances change (i.e., emergencies, rush jobs, change in workload, or technological developments). All job responsibilities must be carried out according to Federal/State regulations, in adherence to the Bank Secrecy Act and in Compliance with the BSA/AML program.

Responsibilities are not exhaustive and may change with business needs. All duties must comply with applicable federal and state laws, Bank policies, the Bank Secrecy Act, and the BSA/AML program.

Key Responsibilities

• Manage assigned delinquent and foreclosure accounts, including borrower contacts, correspondence, payment follow-up, commitments, and next-action dates.
• Monitor delinquency, payment performance, maturities, covenants, collateral, legal status, and other signs of credit deterioration.
• Implement and track approved workouts, repayment plans, settlements, forbearance, modifications, foreclosures, liquidations, and recoveries.
• Coordinate legal and foreclosure milestones, sale dates, notices, referrals, expenses, post-sale actions, and OREO activity.
• Communicate with borrowers, guarantors, counsel, servicers, vendors, and internal teams; elevate decisions and exceptions appropriately.
• Prepare and reconcile dashboards and reports covering portfolio balances, activity, contacts, promises to pay, follow-up completion, delinquency migration, cures, recoveries, nonaccruals, charge-offs, pipeline timing, and aging.
• Investigate data-quality exceptions and provide concise factual commentary on matters requiring management follow-up.
• Maintain confidentiality, fair-treatment standards, regulatory compliance, and complete account documentation; support other reporting and departmental needs as assigned.

Qualifications & Requirements

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field preferred.
• Three to five years of relevant banking, collections, servicing, loss mitigation, workout, foreclosure, recovery, or Special Assets experience.
• Working knowledge of lending laws, loan documentation, delinquency management, foreclosure processes, collateral issues, and credit-risk concepts.
• Ability to analyze portfolio data, identify trends and exceptions, prepare factual reports, and manage multiple accounts, deadlines, and legal milestones.
• Strong Excel skills, including pivot tables, lookups, data validation, charts, and reconciliations; Power BI or comparable reporting-tool experience preferred.
• Strong communication, judgment, discretion, organization, and commitment to the Bank's vision, values, and fair treatment of borrowers.
• Perform all duties in accordance with the Vision and Values of Bradesco BAC Florida Bank Knowledge of applicable lending and banking laws and regulations
• Ensure all borrowers are treated in an appropriate manner

Language Skills:

Excellent written and verbal English and Portuguese required; and professional Spanish strongly preferred.

Bradesco Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.