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The Associate, Delinquency Management (Collections) is responsible for handling adequate collections efforts for assigned cases for all retail loans to provide the Bank with optimal delinquency and NPLs ratios and loan loss levels and to enable prompt action minimizing loss and securing the Bank’s position. This position works hybrid and reports to Bayamón, Puerto Rico.

MAIN DUTIES & RESPONSIBILITIES:

+ Manage collection efforts for accounts 60+ days past due, ensuring timely follow-up and resolution.

+ Conduct timely orientation for customers and perform effective collection follow-up on past due accounts in compliance with Bank policies and guidelines.

+ Reduce loan charge-offs by contacting customers by phone and preparing referrals, as needed, to outside vendors (collection agencies and summons diligence).

+ Partner with external collections agencies to ensure proper follow-up and accountability and provide visibility into internal procedures or required information.

+ Complete requests for account maintenance and customer complaints. Also, ensure correct coding of loans in applicable platforms.

+ Request recording of lost vehicle lien in DTOP when the loan is in default and there is no customer contact and/or the unit cannot be inspected.

+ Manage cases and prepare files related to Insurance Claims & Voluntary Surrender Requests.

+ Maintains effective communication with other departments when the collection efforts may involve more than one department and/or area.

+ Escalates applicable situations that may affect the Oriental Bank interest related to the actions of debtors, possible fraud, etc., also offering recommendations.

+ Other duties may be assigned.

MINIMUM REQUIREMENTS:

+ Associate’s Degree in Business Administration, Finance, Accounting or any other related area required.

+ Two (2) years of experience in collections, preferably in financial institutions required.

+ Minimum education and experience required can be substituted with the equivalent combination of education, training and experience that provides the required knowledge skills and abilities.

+ Strong analytical thinking and negotiation skills to assess situations and drive effective resolutions.

+ Excellent customer service orientation with clear and professional communication.

+ Excellent written and verbal communication skills to manage relationships across all levels of the organization. Fluency in English is preferred.

+ Solid organizational and time management skills to handle multiple priorities and meet deadlines.

+ Proficiency in Microsoft Office (Excel, Word, Outlook, PowerPoint) for reporting, documentation, and communication tasks.

WORK AUTHORIZATION & ELEGIBILITY:

+ Legally authorized to work in the US is required. This position is of indefinite duration and requires candidates to have permanent or ongoing work authorization.

+ Employee is responsible for maintaining eligible work authorization throughout his tenure with the organization.

Oriental is an Equal Opportunity Employer (EEO/Affirmative Action for Veterans/Workers with Disabilities)

Recruitment Privacy Statement (https://orientalbank.com/assets/pdfs/recruitment\_privacy\_policy\_statement.pdf)

Compliance Posters

#LI-Hybrid

This may be the opportunity to change your life and take your career to the next level.

Oriental is a great place to work, grow and develop. Each employee is key in the company's success. Our team consists of an excellent group of people and we believe you could be one of them. We offer you the opportunity to work and be part of an organization that is dedicated to progress. We offer diverse employment opportunities that go from internships to executive positions. We recognize that our employees are the most important asset of our company, which is why we foster an environment of collaboration, based on trust and mutual respect. Our selection process promotes equal employment opportunity and does not discriminate on grounds of sex, color, age, social status, religious beliefs, veteran status or disability. Included is reference material including our recruitment privacy policy and any relevant labor laws we abide to:

Compliance_Posters / Labor Laws (https://orientalbank.com/assets/pdfs/compliance\_posters.pdf)

Recruitment Privacy Policy Statement

Esta puede ser la oportunidad que cambie tu vida y lleve tu carrera profesional a otro nivel.

Oriental es un gran lugar para trabajar, crecer y desarrollarse. Cada empleado es nuestro factor clave en el éxito de la compañía. La mejor gente del mundo trabaja aquí y creemos que podrías ser uno de ellos. Oriental te ofrece la oportunidad de trabajar y ser parte de una organización que se dedica al progreso. En Oriental ofrecemos diversas oportunidades de empleo, que van desde internados hasta puestos directivos. Reconocemos que nuestros empleados son el activo más importante de nuestra compañía, es por esto que fomentamos un ambiente de colaboración, basado en la confianza, el respeto mutuo, al valorar las diferencias de cada empleado. Nuestro proceso de selección es uno que promueve la igualdad de oportunidades en el empleo y no discrimina por razón de sexo, color, edad, condición social, creencias religiosas, condición de veterano o incapacidad. A continuación material de referencia incluyendo nuestra política de privacidad y leyes laborales aplicables:

Afiches de Cumplimiento/ Leyes Laborales (https://orientalbank.com/assets/pdfs/compliance\_posters.pdf)

Política de Privacidad de Reclutamiento