Strategic Credit & Collections 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

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.