SUMMARY: Collector I is an entry level position responsible for employing letter, phone and e-mail contact with customers to schedule repayment and collecting past due payments for any assigned past due loan, with minimum delay or problems, while mitigating collection and legal expenses when possible. JOB REQUIREMENTS: 1 – 2 years work experience in collections and/or customer service preferred Time management and organizational skills Demonstrates an understanding of applicable bank policies and procedures as they pertain to the collection process Basic knowledge of SHAW, Navigator and UCBI internal banking systems. Must complete training courses if necessary to learn these programs Excellent personal computer skills with demonstrated knowledge of Microsoft EXCEL, WORD, email, etc. Ability to multi-task Detail-oriented Self-starter and works with minimal direction Good verbal and written communication skills Good negotiation skills Interpersonal skills and team orientation Ability to meet performance goals under pressure Ability to appropriately escalate issues requiring problem solving and decision making Successful completion of in-house collection training and mentoring program Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc. JOB FUNCTIONS: Employ letter, phone and e-mail contact with customers to schedule repayment Ensure the collection attempts of all consumer loans assigned and make sure all efforts are recorded in SHAW Provide support as needed for the collection of commercial loans assigned Thoroughly document all communication with customers utilizing the SHAW Collection System Answer telephone calls from customers in regards to messages and letters received by customer Obtain necessary paperwork prior to repossession and assist in the repossession process when needed Assist in the research of customer accounts in regards to payment corrections, late fees, misapplied payments, etc. Answer questions in regards to payment extensions and due date changes for lenders or customers Research customers portfolio to obtain additional contact information when necessary Run Skip Trace on customers when necessary Contact past due “covered loans” by phone, and mail appropriate letters in accordance with early intervention procedures developed to resolve past due loans Follow all United Community Bank Policy and Procedures using the utmost integrity to perform the duties required in your position Attend all required training on Loan Policy, departmental procedures as well as training on Laws and Regulations Read, understand, and adhere to all United Community Bank Policy and Procedures as well as any future revisions Read, understand, and comply with various laws to the extent applicable including, but not limited to, the Fair Debt Collection Practices Act, The Fair Credit Reporting Act, The Gramm-Leach-Bliley Act, The Electronic Fund Transfer Act, The Equal Credit Opportunity Act and The Dodd-Frank Act Read, understand, and adhere to the Unfair, Deceptive and/or Abusive Acts or Practices Elevate to department management all issues requiring approval outside of the authority of the collector’s position and all issues that may adversely affect United Community Bank Other duties as assigned GOALS All Collectors are expected to meet or exceed Monthly Performance Goals as determined by management. Collector I is required to meet or exceed the department goal less 10%. Your monthly performance review will be provided to you the week after month end and will be kept in your employee file. If you do not meet your monthly goals a meeting will be scheduled with management to determine where the issue is and work on a performance plan for the next month. These monthly performance reviews will be used during your annual reviews and will be used when determining potential merit increases and promotions in the future.