Job Description

Credit & Collections Officer
Vault Home Credit Corporation DBA VaultPay is designed to ease the consumer financing transaction between our Partners and Homeowners. We offer customers total payment control with simple and easy financing options for Homeowners and their Home Improvement loans. We are looking for a motivated, Credit & Collections Officer to join our team. We provide a competitive salary, benefits plan and a fun and professional working environment. This Full-Time Position is Monday to Friday between 8:30am \xe2\x80\x93 5:00pm PST.
Responsibilities:

• Assess and analyze personal loan applications in accordance to set credit policy, evaluating the credit and financial history of applicants in order to make timely lending decision in a high volume \xe2\x80\x98full service\xe2\x80\x99 environment
• Complete administrative activities associated with servicing customers, including accessing information and communicating transaction details
• Monitor and maintain up-to-date records for customer accounts and review those in arrears to ensure appropriate actions are taken
• Notify customers of overdue payments and accounts, including follow-up if a reply is not received
• Efficiently handle customer inquiries, including resolving payment disputes
• Recommend further action when payment is not received \xe2\x80\x93 including liaising with internal and external teams when necessary
• Maintain reports related to customer delinquent activities
• Assist with other tasks and duties as required

Qualifications / Requirements:

• 5+ years of collections experience, preferably within the financial services environment
• Minimum 2 years\xe2\x80\x99 experience in consumer underwriting in a financial services environment, combined with relevant post-secondary education with an emphasis on business and finance.
• Strong understanding of personal credit bureaus (Equifax)
• Associate\xe2\x80\x99s / Bachelor\xe2\x80\x99s degree is a plus
• In-depth knowledge and understanding of the Fair Debt Collection Practices Act (FDCP)
• Strong knowledge of various collection techniques and procedures
• Proficient in Microsoft 365
• Ability to manage multiple priorities within tight timeframes while maintaining ongoing accuracy and attention to detail. Including strong time management and organization skills,
• Excellent judgement and strong problem-solving skills,
• Ability to quickly learn new systems and procedures,
• Excellent verbal, written and communication skills,
• Positive attitude, highly motivated and ability to work well independently and in a team
  environment.

We thank all interested candidates, however, due to the volume of applications received, only those candidates selected for interviews will be contacted.
Vault is committed to creating a diverse environment and is proud to be an equal opportunity employer. Upon request, Vault will provide reasonable accommodation during the recruitment and selection process. Should you require accommodation, please advise the recruitment team