Current jobs related to Collections Advisor - Anjou - Scotiabank

Requisition ID: 227959

Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.

Collections Advisor - Scotia Dealer Advantage (Anjou, QC)Scotia Dealer Advantage is one of Canada’s largest and fastest growing Special Finance companies providing automotive financing programs nationwide. We build partnerships with authorized independent and franchise automobile dealers to help them grow their businesses and serve their special finance customers.

In this role, you’ll contribute to the overall success of the Collections department of Scotia Dealer Advantage in Canada ensuring specific individual goals, plans, initiatives are executed and delivered in support of the team’s business strategies and objectives. Ensures all activities conducted are in compliance with governing regulations, internal policies and procedures.

**Is this role right for you? In this role, you will**:

- As a Collection Advisor, you’ll be responsible for maximizing the collection of overdue payments from customers while minimizing collection costs and loan losses on individually assigned accounts. As an advisor, you will conduct timely and effective collection follow-up discussions on assigned loans in varying stages of arrears and on accounts where a potential risk to the Bank is evident.
- Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.
- Conducts payment collection activity to provide the Bank with optimal delinquency ratios and loan loss levels by:

- Acting in a timely manner to identify the risk associated with all assigned accounts and executing prompt action to minimize loss and secure the Bank’s position;
- Makes sound decisions on accepting, rejecting or offering amended payment terms and settlements while conforming to Bank policies and procedures by:

- Discussing contractual loan payment arrangements with customers before offering revised or reduced payments, terms, conditions and loss mitigation tools;
- Negotiating alternate payment arrangements including token or reduced payment amounts from customers and accurately communicating the revised terms and conditions of the loan.
- Establishes full responsibility for all payment or collection related inquiries, concerns, arrangements or complaints by:

- Addressing and resolving inbound customer concerns, inquiries, issues or complaints on loan contracts in arrears;
- Recommending or taking action to ensure past customer commitments have been met including resolving persistent payment problems.
- Understands how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.
- Actively pursues effective and efficient operations of their respective areas, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational risk, regulatory compliance risk, AML/ATF risk and conduct risk, including but not limited to responsibilities under the Operational Risk Management Framework, Regulatory Compliance Risk Management Framework, AML/ATF Global Handbook and the Guidelines for Business Conduct.
- Champions a high-performance environment and implements a people strategy that attracts, retains, develops and motivates their team by fostering an inclusive work environment; communicating vison/values/business strategy and managing succession and development planning for the team.

**Is this role right for you? We’d love to work with you if you have**:

- Excellent communication skills
- A strong telephone presence on that's confident, yet personable
- Disciplined and focused individual who is motivated to reach daily targets
- Long-term thinker, aren’t afraid to think outside the box to give engaging alternatives for our customers
- Elevate and cultivate your own knowledge through daily interactions with Managers, Team Leaders and Seniors Collection Officers
- Seeking new challenges and opportunities to grow within the organization
- Prior experience in a collections/customer service capacity utilizing the telephone as the primary means of communication
- Prior experience with the collection of delinquent or overdue accounts in the financial services industry or experience collecting on delinquent accounts receivable
- Proficient with Microsoft Suite of products including Word, Excel, and Outlook
- An understanding of predictive dialer equipment and payment collection systems is an asset

**What's in it for you?**
- The opportunity to join a forward-thinking organization where you are surrounded by a collaborative team of innovative thinkers.
- A competitive compensation package.
- An organization committed to making a difference in our communities
- for you and our customers.
- You can expect to be recognized and rewarded for high-performance. You’ll be supported by leadership through meaningful development conversations that enable faster advancem