Retail Collections Manager

"Republic Bank believes in the development and advancement of our associates. We offer the opportunity to learn all aspects of the company to prepare for future advancement. Come join our team for a career, not just a job!"

Grade 12

About Republic Bank

Republic Bank's values are built upon making an IMPACT for our clients, our associates and the communities we serve. (IMPACT stands for Innovate for the Future, Make it Easy, Provide Exceptional Service, Acknowledge & Celebrate Success, Commit to Caring and Thrive Together) The associates of Republic Bank are the key to our success as an organization and we value our associates. It's one of the reasons we've been named as one of the Best Places to Work in Kentucky for ten years! For more information about the company, please visit www.republicbank.com.

POSITION PURPOSE AND OBJECTIVES
The Retail Collections Manager is responsible for managing the Retail Collections Department and minimize delinquency and losses and maximize recoveries. Additionally, this position will oversee all aspects of the Bank's retail collection and recovery efforts and initiate programs and procedures to adjust to the changing economic environments and new product initiatives. This oversight will include consumer credit card collections, recovery, REO, and the administrative group and FCRA team.

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.

MINIMUM QUALIFICATIONS
* Minimum of 5 years retail credit collections and/or credit administration experience required.
* Previous supervisor experience required.
* Thorough understanding of delinquency management, loan & collateral documentation, foreclosure process, repossession, and bankruptcy required.
* Ability to initiate and effectively communicate with past due customers, officers, and senior management.

ESSENTIAL JOB FUNCTIONS AND RESPONSIBILITIES
* Responsible for the direct management and supervision of the Retail Collection staff; to ensure contact with clients to resolve their delinquent loans, pursuant to policies and procedures.
* Responsible for training and staffing collection associate team.
* Responsible for the development and implementation of departmental policies regarding collections of overdue/delinquent accounts.
* Work with legal counsel or outside collections agencies to handle overdue accounts.
* Develop and administer credit and collection programs.
* Monitor the collection of all assigned past due consumer mortgage and consumer loans to minimize delinquency and charge offs.
* Utilize technology within department as needed to improve efficiency.
* Monitor tracking systems for all bankruptcies, suits, foreclosures, and other post charge off activity.
* Monitor collection practices and procedures and maintain written procedures manual regarding all collection functions.
* Manage the FCRA team including adherence to SLA guidelines and monitor reporting to maintain or exceed expected performance of the duties of those Associates.
* Look for innovative ways to streamline the flow of work and better assist clients.

SUPERVISOR JOB FUNCTIONS AND RESPONSIBILITIES
* Know compliance responsibilities and particular requirements affecting your area of responsibility, incorporate these requirements into your business processes and procedures, perform ongoing monitoring and periodic self-assessments including reporting and corrective action as needed, and assure appropriate training to associates regarding these responsibilities and procedures.
* Model and foster behaviors that support the Bank's values and corporate culture creating an atmosphere of trust, cooperation, accountability, and dedication to the organization.
* Willingly perform all other duties and projects as assigned.

INTERPERSONAL SKILLS AND COMPETENCIES REQUIRED
* Excellent verbal and written communications skills for effective interactions with clients; meet financial investment objectives and/or resolve problems or complaints.
* Self-motivated and work in a team environment.
* Requires a high energy level and strong sense of urgency.

PHYSICAL REQUIREMENTS
The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this position, the associate is regularly required to sit, use hands to finger, handle, or feel; and talk or hear. The associate frequently is required to stand or walk. The associate is occasionally required to reach with hands and arms. The associate must occasionally lift and/or move 10 pounds. Specific vision abilities required by this position include close vision, and distance vision. The noise level in the work environment is usually moderate.

SUPERVISORY RESPONSIBILITIES
This position carries out supervisory responsibilities in accordance with the Bank's guidelines, policies and procedures and all applicable state and federal laws. Responsibilities include interviewing, hiring and the overall development of associates; coaching and mentoring while providing challenging opportunities to enhance career growth; planning, assigning, and directing work; setting expectations and appraising performance; recognizing and rewarding associates or recommending disciplinary action as appropriate; addressing complaints and resolving problems; and helping to build a positive team culture.

OTHER REQUIREMENTS
* Travel between Republic Banking facilities may be required including occasional out of town travel.
* Flexible work schedule may include some evenings, weekends and/or overtime.
* Stay abreast of new developments, best practices, and statutory and regulatory changes.

**The above is intended to describe the general content of and requirements for the performance of this position. It is not construed as an exhaustive statement of duties, responsibilities, or requirements.