Account Representative:Dual Role-Field
Island Finance Llc
- Bayamón, PR
- Permanente
- Tiempo completo
Island Finance LLC is the largest financial institution in Puerto Rico, serving over 70,000 customers with consumer loans and a variety of financial products and services.
With an extensive network of 47 branches, a call center, and advanced online banking, Island Finance is committed to providing the highest quality of service and has supported thousands of clients in their time of need.
Island Finance is dedicated to helping you achieve your dreams.
With over 65 years of experience, we are here to help you succeed.
We appreciate your support and reaffirm our commitment to you.
With us, yes, you can achieve your goals!
Job Summary
Focus on collecting, selling, and/or promoting financial products by offering effective customer service and guidance to retain and acquire more clients, contributing to the achievement of sales and collection goals.
Manage collections in the assigned area, evaluate, make visits, and generate calls manually or using the auto-dialer tool.
Identify the needs of clients or new prospects to help them choose the financial product that best suits their needs and payment capacity.
Guide clients close to loan repayment to renew them through attractive offers to retain them.
Conduct field visits to validate employment.
Manage clients with overdue or delinquent accounts for 30 days or more to bring them up to date through collection, payment plans, renewal, restructuring, or any other loss mitigation alternative in compliance with policies, procedures, and applicable legislation.
Essential Functions
Manage collections through client visits, make and attend collection calls, and transfer them to the appropriate staff if necessary.
Conduct sales through phone calls and to clients who come to the office, including following up on interested clients.
Complete client application forms, follow up on approved applications, and verify credit risk and opportunities.
Achieve sales of RBO (Refinance Balance Only) renewals or restructurings.
Assist at the cash register.
Visit clients or their references as assigned for collection management following procedures.
Process files, references, and courtesy calls or collections for clients with overdue or delinquent accounts.
Complete daily visit reports and enter all results of each management performed in the Oracle system.
Verify performance and follow-up reports.
Process received payments on the field or disbursements of loans.
Prepare payment booklets.
Perform additional tasks assigned by the supervisor.
Position Requirements
Basic knowledge of arithmetic, languages, spelling, and grammar.
Precision and accuracy in checking, posting, verifying written documents, and counting.
Use of calculators for simple calculations, photocopiers, telephone systems, writing documents in computer systems, document sending and transmission machines (FAX), and any other type of office machine that requires basic knowledge and simple skills.
Equivalent to a higher education education.
Handling of telephone panel, auto-dialer, computerized systems, and cash register.
Excel, Outlook, and Word.
Account and risk analysis.
Good documentation practices.
Training on offered products and their competition.
Knowledge of credit report.
Car in good condition.
Driver's license.
Current marbete.
Special Skills, Knowledge, and Competencies
Empathy
Customer service
Punctuality
Work under pressure
Discipline
Teamwork
Responsibility
Positive attitude
Kindness
Flexibility
Organization
Sensitivity
Island Finance is an Equal Opportunity Employer
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