Consumer Loan Resolution Specialist - Credit Resolution

WesBanco Bank • Ellwood City, PA • 4h ago

SUMMARY:

Manages the day-to-day collections of a portfolio of credit lines and consumer and personal loans both secured and unsecured. Maintains a comprehensive knowledge of applicable state and federal regulations relating to collections and

ensure

that the Bank's policies and procedures are compliant with the same. Prepares files as an account progresses in

delinquency and

make recommendations to management as to the required action needed to secure possession of our collateral and/or payment of the past due amount.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or ability

required

. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Initiates outbound and receives inbound phone calls relating to the collection of delinquent accounts.

Reduces delinquency, prevents repossessions and/or foreclosure, and minimizes charge offs/charge downs on assigned accounts.

Determines

reason for non-payment.

Completes Skip

Trace on

accounts to

locate

customers for which you have not

established

phone contact to verify phone number, address, place of employment for the maker and co-maker(s) on the account.

Reviews all bank systems as needed (FIS/IBS, Image Centre, etc.) to

determine

the scope of the customer relationship as well as

facilitate

in the collection of the account.

Prepares necessary documentation for modifications,

extensions,

and file evaluation.

Negotiates payment

arrangement

with borrower(s).

Maintains detailed tracking

log

on all accounts as you work through the collection process.

Processes GL and Payment Tickets as applicable when payment is received.

Researches

and resolve billing and/or payment disputes on assigned accounts.

Verifies "Proof of Insurance" for collateralized loans as needed.

Orders

appraisals when

appropriate

Analyzes loan/collateral

file

to make

recommendation

for appropriate action.

Reviews personal credit and asset reports to make recommendations

as to

appropriate strategy

Organizes and

prepare

files to be referred for repossession and/or foreclosure.

Makes appropriate file notations for all correspondence and any other events to

Intellect

system.

OTHER REQUIREMENTS:

Banking is a highly regulated industry and you will be expected to acquire and maint

ain a proficiency in the bank's

olicies and procedures, and adhere to all laws, rules and regulations that are applicable to your conduct and the work you will be performing

You will also be expected to complete all assigned compliance training

in a timely manner

Professional appearance and demeanor, interpersonal relations, work

ethic

and attitude.

Possess clear, concise, effective written and oral communication skills to effectively express thoughts, ideas and concepts to management, bank employees and bank customers in a collaborative and

solutions

-oriented manner.

Possess effective organizational skills and ability to handle detail-oriented work with promptness.

Ability to work in a fast-paced environment.

Ability to research problem situations and recommend

appropriate action

High school diploma or General Education Degree (GED).

One year of related experience or training preferred.

WesBanco is an Equal Opportunity, AA Employer. EOE//Disabled/Veteran

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