Account Resolution Specialist

First US Bank
Mobile, AL
Account Resolution Specialist Location Mobile, AL : Job Summary: Responsible for contacting customers who are delinquent on their loan payment to obtain payment, make payment arrangements, or establish a repayment plan. Manage delinquency rates at a satisfactory percentage and maintain positive customer relationships. Manage bankruptcy accounts to ensure the bank is in compliance with both federal bankruptcy laws and internal policies and procedures. Primary Responsibilities / Job Duties:
  • Reviews delinquent accounts daily.
  • Communicates with delinquent borrowers in attempt to obtain late payments and discusses circumstances causing delinquent status.
  • Determines solutions to resolve delinquent status and makes possible financial arrangements that would resolve temporary problems.
  • Documents all collection actions taken in system.
  • Maintains positive relations with all customers, discusses sensitive personal circumstances in a frank yet tactful manner.
  • Maintains control over delinquent accounts by maintaining a satisfactory percentage of past due accounts.
  • Reports delinquency status to management on regular basis.
  • Handles repossessions and legality assignments on accounts.
  • Maintains required tracking logs.
  • Monitors all bankruptcy accounts from receipt of the notice to the discharge/dismissal of each case.
  • Reviews “PACER” and Chapter 13 trustee websites to determine action needed.
  • Files timely proof of claims and reaffirmations.
  • Handles daily posting of trustee disbursements.
  • Properly documents accounts as correspondence is received.
  • Participates in and complete all required compliance training, including BSA/AML, as well as other internal and external training programs.
  • Participates in training new teammates as needed.
  • Performs other duties as assigned.
Position Requirements:
  • High School diploma or equivalent required. Bachelor's degree preferred.
  • Minimum of two 2 years' experience in collections, preferably in the finance industry.
  • Knowledge of state and federal collection laws and regulations.
  • Experience handling bankruptcies is strongly desired, including understanding of bankruptcy forms such as Proof of Claim and Reaffirmation Agreements.
  • Excellent verbal and written communication skills.
  • Strong problem solving and negotiation skills.
  • Basic computer skills; proficient in Microsoft Office Suite products.
  • Ability to work flexible hours, including Saturday, when needed.
  • Ability to work cooperatively in a team environment
Working Environment / Physical Demands: Work is performed in a professional office environment and requires the ability to operate standard office equipment and keyboards. Prolonged periods sitting at a desk and working on a computer. May require the ability to lift files, bend, reach, walk or maneuver around the bank. Must be able to lift up to 25 pounds at times. Disclaimer: This position description is not intended, and should not be construed, to be an exhaustive list of all responsibilities, skills, efforts or working conditions associated with the job; it is intended to be an accurate reflection of those principal job elements essential to the job. Federal Contractor - Equal Opportunity Employer M/F/Disabled/Vets
Posted 2025-09-16

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