Consumer Loan Collection/Recovery Manager jobs in Santa Cruz, CA

JOB SUMMARY

The Consumer Lending sales Specialist (CLSS) position is a performance based, hands-on, customer-focused role that is responsible for delivering results related to individual and branch sales goals as well as customer expectations. Job responsibilities are expected to be completed in a manner that complies with all federal and state regulations and adheres to company policies, procedures, and practices. This position is responsible to perform an active role in meeting all performance goals and metrics for the center as defined by management. In order to do so, this position requires attention to detail, excellent customer service skills, and a passion for sales and customer acquisition. This position is responsible to develop, assist, and participate in all marketing and collection efforts, both internally and externally.

JOB RESPONSIBILITIES

Customer Service, Sales, Marketing & Customer Acquisition: Actively assist in meeting the center’s performance metrics as defined by management. Utilize sales tools to provide an exceptional customer experience and to use sales and marketing techniques inside and outside of the branch to ensure the branch is the customer acquisition engine that drives new customer growth into storefront and online channels. Be responsible for day-to-day servicing of an ever-growing consumer loan portfolio. Present financial solutions, based on customer needs that meet their goals. Develop new relationships and maintain existing relationships while working with customers throughout the loan process and loan life cycle. Educate customers on the terms and conditions of their loans to ensure a clear understanding of the products they have selected. Effectively build trust with customers and internal staff by embodying and demonstrating the philosophy of the organization, core values and our company’s purpose. Deploy marketing efforts in the community to generate sales and customer growth, and track marketing efforts as required.

Operations, Compliance, & Collections: Assist in managing the P&L to meet all budgeted numbers and in meeting management’s expectations related to center performance. Adhere to the Company’s policies, procedures, Creed, and to all applicable state and federal regulations. Maintain accurate cash controls and ensure that security procedures are in line with Company and Loss Prevention (LP) Standards. Enter customer and transaction information accurately into the point of sales system, and create and maintain accurate customer files with all required documentation. Perform and document collection calls, field visits, and any other approved collection activities. Complete other duties as assigned.

Team & Leadership: Work closely with and support others in a positive, team environment to enhance the customer experience.

JOB AUTHORITY

Supervision Exercised: None

Level of Supervision Received: Daily Direction

Responsibility / Authority

(A) Relationships: Field and Corporate employees as well as Customers

(B) Equipment: Computer, printer, fax machine, phone, and other typical office equipment

(C) Money: Will work with cash.

Page 2 of 2 Confidential

Advance America reserves the right to modify, change, or apply this job description in any way the company desires. This job description in no way implies that these are the only duties, including essential duties, to be performed by the employee occupying this position. This job description is NOT an employment contract, implied or otherwise. The employment relationship remains “at will”. These job requirements are subject to change to reasonably accommodate qualified individuals. JOB REQUIREMENTS

Equivalent Education Level Required: High School Diploma or equivalent required; some college preferred.

Experience Required: Sales and/or customer service experience required, or equivalent experience. One year of experience in one or more of the following areas preferred: sales, retail, banking, or collections.

Knowledge Required: Strong math skills, including the ability to count cash; professional verbal communication by phone and in person; ability to read, write, evaluate, and apply complex and detailed information; may work alone; ability to interact professionally and exhibit appropriate social skills; ability to negotiate payment terms and effectively communicate loan requirements; ability to understand and ensure compliance with policies, procedures, and laws governing our industry/business and employees; ability to use computer programs required to process customer transactions; ability to maintain composure in stressful situations; ability to follow procedures in the normal course of business and in stressful situations; ability to develop and maintain business relationships.

Physical Requirements: Standing for long periods of time; sitting occasionally; walking, including extended distances; bending; squatting; kneeling; pushing/pulling; reaching; twisting; frequent lifting of less than 10 lbs., occasional lifting of up to 20 lbs.; driving and having access during the workday to an insured and reliable transportation in order to complete tasks including, but not limited to, banking, marketing, and providing staffing coverage within the division; exposure to outdoors limited to elements that the ordinary person would be exposed to at that time; typing; data entry; grasping; transferring items between hands and/or to another person or receptacle; housekeeping/cleaning (vacuuming, dusting, cleaning windows, bathroom, etc., including exposure to cleaning chemicals); use of office equipment to include computers; ability to travel to, be physically present at, and complete the physical requirements of the position at any center within the division (distance varies by division)

Travel: Must have a valid driver’s license and access to insured, reliable transportation. Ability to travel within division for marketing, collections, staffing, special events, and banking responsibilities.

Attire: The Company offers employees the option of wearing, polos, blouses, collared shirts, sweaters or other professional attire with slacks or jeans and appropriate shoes. Employees should dress accordingly to their business.

Other: Must be 18 (except in AL where the age requirement is 19), eligible to work in the USA, and able to successfully complete all post offer screens, including a criminal background check, MVR, credit check if required by state law, reference check, and drug test. Regular and punctual attendance is required. Schedules may be changed as needed to accommodate business needs. Overtime may be required.

Job Type: Full-time

Pay: $17.00 - $18.50 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Employee discount
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Parental leave
• Pet insurance
• Referral program
• Tuition reimbursement
• Vision insurance

Schedule:

• Day shift

License/Certification:

• Driver's License (Required)

Ability to Relocate:

• Santa Cruz, CA 95060: Relocate before starting work (Required)

Work Location: In person