• Contact past due customers to understand the customer’s circumstances, negotiate payment arrangements, and assess risk • Provide service and analyze funded credit risk through the general maintenance of existing customers • Communicate effectively, orally and in writing, with customers to negotiate and obtain immediate payment and resolve delinquent account balances • Engage in on-going education with customers on terms and conditions, alternative payment methods • Manage and avoid creating conflict when interacting with customers • Utilize judgment and experience to make decisions that effectively balance risk, quality, productivity, corporate objectives and customer retention • Manage delinquencies from rolling to the next level • Apply industry knowledge, departmental policies and procedures, and Fair Debt Collection Practices Act to make appropriate collection decisions • Demonstrate the ability to apply consistency in work processes • Ensure appropriate documentation of accounts and follow-up • Participate in associate education and development through company training programs and pursuit of industry information