FT Credit and Collection Specialist

First Security Bank; Searcy (AR); On-site; USD 35,000 - 50,000; Full time

Job summary

First Security Bank seeks a professional Credit & Collection Specialist to support customers with credit needs and ensure timely payments, reducing financial risk. This on-site role requires analytical skills, attention to detail, and courteous customer service in a community banking setting.

Responsibilities include researching accounts, handling credit bureau reporting, managing delinquent and bankruptcy matters, and working with legal counsel as needed.

Qualifications

• Must be at least 18 years of age.
• High School Diploma or GED required.
• 1 - 2 years’ banking experience or equivalent years of relevant work experience preferred.
• Internet Banking, Debit Card usage, and Call Center Experience preferred.
• Familiarity with fair debt collection practices and account service procedures and demonstrated skill in negotiation and conflict resolution preferred.
• Proficiency in Outlook, Word, Excel, typing, 10-key, and internet navigation required.
• Commitment to demonstrate First Security's Core 5 values with customers and coworkers.

Responsibilities

• Research accounts using bank systems and online tools to establish customer contact, support loss-mitigation efforts, and manage delinquent/NSF accounts, including conducting Trans Union Locator (TLO) investigations and ChexSystems updates.
• Manage credit bureau reporting through e-OSCAR, including reviewing disputes, submitting Automated Credit Dispute Verification and Automated Universal Data (ACDV/AUD), and completing monthly error-report corrections across all major credit bureaus.
• Handle bankruptcy, charge-off, and foreclosure accounts and spreadsheets by coding loans per Metro 2 guidelines, filing claims via Public Access to Court Electronic Records (PACER), preparing required packets and documentation, completing reaffirmations, coordinating with legal counsel, updating insurance and tax records, and completing month-end reporting.
• Manage repossession files, tracking sheets, repo orders, collateral perfection, claims, and correspondence.
• Assist with credit card account services, including payment setup, account research, correspondence, and month-end reporting.
• Provide documentation and research support to attorneys, including TLO searches to obtain updated customer information.
• Monitor delinquent tax notices, track sale dates, and process redemption requests for the Commissioner of State Lands.
• Promptly contact customers regarding past-due accounts, investigate discrepancies, deliver high-quality service, and negotiate repayment plans.
• Maintain accurate, up-to-date customer files that document all communications and account activity.
• Protect all customer information and bank operations through strict confidentiality.
• Operate computer software and equipment, telephone, scanner, copier, and develop proficiency with internal banking systems.
• Maintain reliable transportation, punctual attendance, and the ability to work on-site with occasional extended hours when necessary.
• Perform additional duties as assigned by management.

Skills

Analytical skills

Attention to detail

Customer service

Negotiation

Conflict resolution

Communication

Education

High School Diploma or GED

Tools

Outlook

Word

Excel

Typing

10-key

Internet navigation

Job description

Summary

First Security Bank is seeking a professional, energetic and team-oriented individual to join our team as a Credit & Collection Specialist! If you are passionate about serving our Arkansas communities and want to be part of a dynamic, service-driven team.

In this role, you will support customers with their credit needs and ensure timely payment collection to reduce financial risk, requiring strong analytical skills, attention to detail, and professional, courteous customer service.

This position requires on-site work.

QUALIFICATIONS | EDUCATION | EXPERIENCE | SKILLS

• Must be at least 18 years of age.
• High School Diploma or GED required.
• 1 - 2 years’ banking experience or equivalent years of relevant work experience preferred.
• Internet Banking, Debit Card usage, and Call Center Experience preferred.
• Familiarity with fair debt collection practices and account service procedures and demonstrated skill in negotiation and conflict resolution preferred.
• Proficiency in Outlook, Word, Excel, typing, 10-key, and internet navigation required.
• Commitment to demonstrate First Security's Core 5 values with customers and coworkers.

HOURS OF AVAILABILITY

Regularly Scheduled Hours/Week: 40 (+) Hours | Monday - Friday 8:00am - 5:00pm | *Extended working hours may be required.

Essential Duties And Responsibilities

• Research accounts using bank systems and online tools to establish customer contact, support loss-mitigation efforts, and manage delinquent/NSF accounts, including conducting Trans Union Locator (TLO) investigations and ChexSystems updates.
• Manage credit bureau reporting through e-OSCAR, including reviewing disputes, submitting Automated Credit Dispute Verification and Automated Universal Data (ACDV/AUD), and completing monthly error-report corrections across all major credit bureaus.
• Handle bankruptcy, charge-off, and foreclosure accounts and spreadsheets by coding loans per Metro 2 guidelines, filing claims via Public Access to Court Electronic Records (PACER), preparing required packets and documentation, completing reaffirmations, coordinating with legal counsel, updating insurance and tax records, and completing month-end reporting.
• Manage repossession files, tracking sheets, repo orders, collateral perfection, claims, and correspondence.
• Assist with credit card account services, including payment setup, account research, correspondence, and month-end reporting.
• Provide documentation and research support to attorneys, including TLO searches to obtain updated customer information.
• Monitor delinquent tax notices, track sale dates, and process redemption requests for the Commissioner of State Lands.
• Promptly contact customers regarding past-due accounts, investigate discrepancies, deliver high-quality service, and negotiate repayment plans.
• Maintain accurate, up-to-date customer files that document all communications and account activity.
• Protect all customer information and bank operations through strict confidentiality.
• Operate computer software and equipment, telephone, scanner, copier, and develop proficiency with internal banking systems.
• Maintain reliable transportation, punctual attendance, and the ability to work on-site with occasional extended hours when necessary.
• Perform additional duties as assigned by management.

SUPERVISORY RESPONSIBILITIES

None.

Soft Skills

Foster a culture that values high ethical conduct, critical thinking, problem solving, engagement, teamwork, and provides exceptional service. Establish positive and productive work relationships that provide honest feedback and generate trust.

PHYSICAL DEMANDS

Possess sufficient mobility to work in a standard office setting. Perform repetitive hand, arm, wrist, and finger movements while handling currency, documents and/or office equipment. Substantial time may be spent on the telephone, operating computers, reaching, sitting, and/or standing; while occasionally stooping, kneeling or crouching. The employee must have the ability to speak and hear well enough to carry on customer interactions, conversations, and presentations both in-person and over telecommunications. Have near/far visual acuity to identify customers, currency and reading materials in printed or electronic format. The employee must occasionally lift and move up to 10 pounds.

The work environment described here is representative of what an employee encounters while performing the essential functions of this job successfully. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

MENTAL DEMANDS

The duties of this position require the ability to maintain attention to detail and complete work projects accurately in a short amount of time, despite interruptions. The employee must be able to interact with customers/coworkers in a calm and patient manner and maintain confidentiality and professionalism in all situations. The employee must be able to use basic mathematical skills including adding, subtracting, multiplying, and dividing numbers. The position also requires the ability to read and interpret documents, and draft routine written communications.