Loan Adjuster II

Jobtailor; Riverside (CA); On-site; USD 42,000 - 64,000; Full time

Job summary

Jobtailor is seeking an experienced collections agent to manage delinquent loan accounts in Riverside, CA, with onsite work. You will collect on loans at all delinquency stages, identify hardship causes with Members, and propose personalized payment options.

You will conduct inbound and outbound calls, document all interactions in the collection systems, and ensure compliance with FDCPA, TCPA, SCRA, BSA, and Credit Union policies. Prior experience and strong negotiation skills are essential.

Qualifications

• High School Diploma or GED required.
• 1-3 years of prior related experience required.
• Knowledge of bankruptcy laws, FDCPA, TCPA and SCRA.
• Excellent verbal and written skills.
• Uses active listening skills to determine the Member's hardship and provide appropriate solutions.
• Ability to multi-task.
• Intermediate computer and typing skills.
• Experience with inbound/outbound phone system preferred.
• Conflict resolution and negotiation skills.
• Must comply with regulatory compliance and training requirements including BSA regulations.

Responsibilities

• Collect on loans of all stages of delinquency where timely payments are not being received.
• Communicate with Members to identify the true cause of non-payment and provide personalized options.
• Conduct inbound/outbound calling, send letters, and use other approved collection methods.
• Collect past-due payments and negotiate payment arrangements or repayment plans.
• Document conversations and collections activity in collection systems.
• Maintain adherence to federal and state regulations and Credit Union policies.
• Process loan adjustments, including due date changes, opening/closing lines of credit, closing negative accounts, and payment plan maintenance.
• Recommend delinquent Members for workout loans, deferments, re-ages, reduced payments, repossession, and charge-off.
• Refer complex situations to appropriate resources.
• Suggest ways to streamline departmental and Credit Union operations.
• Complete assigned departmental projects and reports.
• Perform advanced account research and analysis, skip tracing, and asset searches.
• Perform other duties as assigned.
• Comply with regulatory compliance and training requirements, including BSA regulations.

Skills

Negotiation Skills

Active Listening

Conflict Resolution

Verbal Communication

Written Communication

Multi-tasking

Education

High School Diploma

GED

Tools

Inbound/Outbound Phone System

Collection Systems

Job description

• Collect on loans of all stages of delinquency where timely payments are not being received
• Communicate with Members to identify the true cause of non-payment and provide personalized options
• Conduct inbound/outbound calling, send letters, and use other approved collection methods
• Collect past-due payments and negotiate payment arrangements or repayment plans
• Document conversations and collections activity in collection systems
• Fund workout loans or work collections reports when assigned
• Maintain adherence to federal and state regulations and Credit Union policies
• Perform file maintenance on delinquent accounts
• Process loan adjustments, including due date changes, opening/closing lines of credit, closing negative accounts, and payment plan maintenance
• Recommend delinquent Members for workout loans, deferments, re-ages, reduced payments, repossession, and charge-off
• Refer complex situations to appropriate resources
• Suggest ways to streamline departmental and Credit Union operations
• Complete assigned departmental projects and reports
• Perform advanced account research and analysis, skip tracing, and asset searches
• Perform other duties as assigned
• Comply with regulatory compliance and assigned training requirements, including BSA regulations

Requirements

• High School Diploma or GED required
• 1-3 years of prior related experience required
• Knowledge of bankruptcy laws, FDCPA, TCPA and SCRA
• Excellent verbal and written skills
• Uses active listening skills to determine the Member's hardship and provides appropriate solution
• Ability to multi-task
• Intermediate computer and typing skills
• Experience with inbound/outbound phone system preferred
• Conflict resolution and negotiation skills
• Must comply with regulatory compliance and assigned training requirements, including BSA regulations corresponding to specific job duties
• Ability to work onsite in Riverside, Sacramento, or Tustin, California

Core Competencies

Demonstrates expertise in loan collection processes, including negotiation and conflict resolution, while ensuring compliance with federal and state regulations. Proficient in documenting collection activities and utilizing communication skills to address Member hardships effectively.

Highest-signal resume keywords

• Loan Collection
• Negotiation Skills
• Regulatory Compliance
• Active Listening
• Conflict Resolution

ATS Optimization Keywords

Hard Skills

• Loan Adjustments
• Skip Tracing
• Account Research
• Typing Skills
• Payment Plan Maintenance
• File Maintenance
• BSA Regulations Knowledge
• Bankruptcy Laws Knowledge
• FDCPA Knowledge
• TCPA Knowledge

Soft Skills

• Verbal Communication
• Written Communication
• Multi-tasking

Certifications & Qualifications

• High School Diploma
• GED

Industry Keywords

• Credit Union Policies
• Delinquency Management
• Workout Loans
• Deferments
• Re-ages
• Charge-off

Tools & Technologies

• Inbound/Outbound Phone System
• Collection Systems