Auto Finance Charge Off - "Senior" Collector / Skip Tracer - Remote

The primary role of the Auto Finance Charge Off - Senior Collector/Skip Tracer is to successfully skip trace, collect, and/or coordinate repossession on auto loans that are scheduled to charge off. This position requires a demonstrated ability to negotiate expedited payment arrangements or surrender of collateral. A successful candidate will have an advanced comprehension of skip tracing, negotiation techniques, and communication skills. The primary objective of the position is to mitigate loss using the aforementioned skills.
What is a day in the life at Flagship as an Auto Finance Charge Off - Senior Collector/Skip Tracer?

• Utilize advanced skip-tracing techniques in order to establish customer contact and/or locate collateral (utilizing all company-approved tools and information sources).
• Effectively presents payment options as applicable. Analyzes and uses the information to negotiate appropriate payment arrangements. Clearly and concisely communicates information to customers
• Provides thorough and accurate documentation and maintains superior quality assurance and compliance results
• Utilizes superior time management skills as it relates to managing an assigned queue of potential charge-off accounts
• Knowledge of state repossessions laws/regulations
• Overcome borrower objections and educate the borrower in understanding their account(s) and responsibilities
• Negotiate account settlements with borrowers
• Extensive interaction with Repossession Agents and other company-approved vendors
• Identify accounts that may require legal action and refer to the proper approval authority for resolution
• Ensure legal repossession notices such as Right to Cures, Notice of Sales, and Deficiency letters are properly sent and documented in the system of record

About you:

• REQUIRED: 5 years of auto finance collection experience within a call center environment
• REQUIRED: 2 years of auto finance skip tracing/repossession experience in a full balance charge-off department
• Superior communication skills with the ability to maintain composure with difficult borrowers
• Demonstrated ability to consistently achieve aggressive loss mitigation goals within an individual work queue
• Schedule flexibility and the ability to work in a fast-paced ever-changing work environment
• Ability to display a high level of personal accountability and ownership of work performed
• Knowledge of collection and repossession laws on the federal, state, and local levels
• Ability to thrive in a "team-first" rather than a "me first" environment.
• Proficient in MS Office; Including Word, Excel, and Outlook
• English/Spanish bilingual skills are a plus
• Possess strong problem-solving and negotiation skills
• A desire to exceed challenging goals, self-motivated and able to demonstrate personal initiative in an effort to achieve high standards of performance
• Must be adaptable to change, flexible, and demonstrate persuasive communication and organizational skills

Flagship is an Equal Employment Opportunity Employer
We believe that diversity, equity, and inclusion among our associates is critical to successfully achieving our vision and mission, and we seek to recruit, develop, and retain the most talented people from a diverse candidate pool based on merit, qualifications, and business need.

Compensation
Our compensation packages are based on a variety of factors, including but not limited to, skill set, experience, qualifications, and other job specific conditions.

If you’re interested in partnering with a certified Great Place to Work company that encourages you to be your best, visit www.FlagshipCredit.com/Careers for a complete list of career opportunities and information on our company.