Credit Services Representative

Credit Services Representative

Job Description:

This job is responsible for providing credit assistance and solutions to our clients. Key responsibilities include handling primarily outbound calls for a single product at any stage of delinquency or risk, including pre-charge off, and recovery. Job expectations include leveraging problem solving competencies, sound judgement and decision making, and providing exceptional client service and empathy while meeting both the bank's and client needs.

Responsibilities:

• Reaches out to delinquent clients to secure payment and determines reason for delinquency on active or inactive loan, deposit, and credit card accounts
• Navigates the process of reaching a mutually beneficial agreement for the settlement of outstanding debts in a positive and professional way, utilizing available tools and resources effectively
• Choosing the correct approach for clients while upholding collections compliance standards
• Illustrates compassion for the client's predicament by adhering to ethical standards in harmony with the bank's code of conduct
• Meets the necessary quality benchmarks and achieves vital performance metrics
• Supervises a designated list of accounts utilizing automated collections tools, auto-dialing systems, or personal outreach to mitigate potential losses

Skills:

• Active Listening
• Attention to Detail
• Client Solutions Advisory
• Oral Communications
• Account Management
• Adaptability
• Collaboration
• Gathering and inputting data
• Decode and articulate the crucial laws, regulations, and statutes in context
• Liquidity Management

The minimum education requirement mandates a high school diploma, GED, or its parallel equivalent

About Us:

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities, and shareholders every day.

Bank of America maintains a focus on encouraging a culture that centers around in-person engagement in the office, while also accommodating the need for flexibility that aligns with the specific duties and functions within each role.

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