Consumer Collections Associate

Text "2261" to (309) 322-9911 to apply.

Wage Range: Min: $18.65, Mid: $21.91, Max: $25.17

A Brief Overview

The Consumer Collections Associate will work with borrowers to resolve loan delinquencies in accordance with bank, secondary market, and legal guidelines including state and federal regulations. Collect on loans that are early to late stage in the collection cycle, analyze loss mitigation applications, prepare internal memorandums. Strong attention to detail and critical thinking are required. Reports to the Consumer Collections Manager.

What you will do

• Complete documented weekly contact events for delinquent consumer loans as assigned and by regulatory guidelines.
• Manages a consumer collections portfolio by ordering and analyzing property valuations as needed, identifying monthly qualifying risk rating changes, and completing renewals of matured loans within assigned portfolio.
• Analyze loss mitigation applications and discuss options with the borrowers to determine the best option for both parties. Must follow loan specific timelines and guidelines for submitting appropriate work out programs.
• Communicates by phone and by email to internal and external customers in a respectful and professional manner.
• Prepares comprehensive memos within the established departmental format and guidelines.
• Maintains organization amid frequent interruptions while managing multiple tasks and phone calls throughout the workday.
• Provide regular progress updates to management on all outstanding loss mitigation plans, renewals, and significantly past due loans.
• Strong verbal and written communication skills
• Perform other projects/tasks as needed.

Other Qualifications/Requirements

• Knowledge of loss mitigation options available to borrowers.
• Working knowledge of Silverlake and Info-Access a plus.
• H.S. Diploma or GED and minimum 1 year collections preferred or equivalent combination of education and experience.

Who We Are

Heartland Bank and Trust Company is headquartered in Bloomington, Illinois. With 70+ locations throughout Illinois and Eastern Iowa, Heartland continues to grow and is committed to preserving strong ties to our communities, customers, employees, and shareholders.

Heartland Bank’s mission is to “create value for the customer, earn a profit for the Bank, and have fun doing it!” At Heartland, employees have the opportunity to make a difference every day.

What We Offer

At Heartland Bank, we offer a competitive benefits package to provide you with peace of mind. Click here to learn more about what benefits we have to offer.

Physical Demands

• Regularly: Sitting, Feeling/Touching, Talking, Hearing, Vision - close peripheral, depth
• Frequently: Standing, Walking, Grasping/Reaching - with arms and hands, Repetitive Motions
• Occasionally: Climbing and/or Balancing, Stooping, Kneeling, Crouching, and/or Crawling, Lifting (30 lbs.)

Equal Opportunities and Accommodations Statement

Heartland Bank is deeply committed to creating a workplace where inclusion is not only valued but prioritized. We’re proud to be an equal opportunity employer, seeking to create a welcoming and diverse environment. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity or expression, family status, marital status, sexual orientation, national origin, genetics, disability, age, or any other non-merit based or legally protected grounds.

Salary Disclaimer

The salary range represents the range of possible compensation at the time of posting. Heartland Bank considers several factors when extending an offer, including but not limited to, the role and associated responsibilities, a candidate’s work experience, education/training, key skills, and internal equity.

The salary range minimum, midpoint, and maximum listed above represent a full range of career compensation growth over time in this position and pay grade. Starting pay typically starts between minimum and midpoint upon hire. The Bank offers compensation growth opportunities within its career architecture.

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