Bilingual Collections Officer

1 week ago

Toronto, Canada Vault Credit Corporation Full time

Vault is a non-bank owned private lending company offering a wide array of financial services such as mortgages, business loans, equipment leasing as well as many other lending products. Vault has a devoted team of experts with years of experience in both financial services and real estate. We deliver products and services that meet our borrowers' diverse needs quicker and easier than any traditional sources

**Who you are**:
A team player who believes in the relentless pursuit of excellence.

**Responsibilities include, but not limited to**:

- Advise customers of necessary actions and negotiate debt repayment. Follow up frequently for payment commitments as per company process guidelines.
- Be compliant with all federal and provincial procedures as it relates to the role, as well as established company policies and procedures.
- Problem solving and tactfully handling confrontational or stressful interactions, efficiently deescalating complaints always treating customers with integrity.
- Knowledge of lease contract terms and other contract documentation required to effectively to enforce the contracts
- Diligently work through assigned NSF reports and A/R reports
- Maintain a watch list of files that will be potential result in defaulted leases and assigned to Senior Collector.
- Meet regularly with supervisor to review accounts and progress and ensure AR delinquency is within tolerance levels
- Make detailed notes on each customer file. Efficiently utilize follow up system to ensure effective time management and continuity in the event of absence
- Calculate lease payouts, past due balances including late charges and past due interest.
- Respect and follow processes and procedures of various originators when dealing with customers
- Escalate to management any queries beyond scope of individual empowerment
- Work independently within a team to ensure service levels are being met. Assist team members when needed.
- Meet bi
- weekly with manager and team to review accounts and progress.
- Provide bilingual assistance to the team where required.
- Other duties and special projects as management may require.

**Knowledge, Skills and Experience required (unless otherwise noted)**:

- Strong French and English skills, both written and oral.
- Postsecondary education, plus a minimum of four (2) years collections experience in a commercial/consumer industry
- Interpretation of Equifax credit reports
- Excellent organizational and time-management skills. Must be detail oriented.
- Strong interpersonal/internal customer service skills.
- Ability to make judgment calls in a quick & timely fashion.
- Ability to calculate figures and amounts such as interest and percentages.
- Ability to work well under the pressure of meeting tight deadlines in a timely manner.
- Ability to prioritize, handle multiple tasks efficiently with little direct guidance, rapidly adapt to changing environment and possess strong work ethics.
- Strong persuasion, negotiation, problem solving and conflict resolution skills.
- Ability to establish and maintain effective working relationships within the Account Receivable department, across the organization.
- Ability to accept responsibility for assigned tasks/projects and complete them on schedule.
- Ability to work effectively in a diverse workforce.
- Team player who can work independently

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