Consumer Loan Servicing Representative I
Beneficial State Bank, Porterville, CA, United States
Consumer Loan Servicing Representative I
Porterville, 268 N Main St, Porterville, California, United States of America
Job Description Posted Thursday, March 5, 2026 at 11:00 AM
Our ideal candidate : We are seeking candidates deeply committed to our mission: to transform the banking industry from within. We lead by example, collaborate with and invest in change‑makers and build sustainable prosperity in our communities.
Who we are : Beneficial State is one of only a handful of B‑Corp banks in the nation and one of the highest‑rated B‑Corps on the planet. That means that we subscribe to a rigorous evaluation standard that measures our positive impact, not just our profitability. We demonstrate how a bank can combine social equity, environmental sustainability, and business stability to create a better financial system – a system that drives inclusive prosperity to benefit people and the planet. #BCorp #WeAreBCorps
Join our team:
If you are ready to do challenging and transformative work that will build a brighter future for us all, and you are hungry to bring your passion and energy to the table, we welcome your application.
TITLE:
JOB CODE:
FLSA:
Non-Exempt
SALARY GRADE:
3
JOB FAMILY:
UNION REPRESENTATION:
CWA 7901/9412
DEPARTMENT:
621 Consumer Lending Collections
SUPERVISORY ROLE Y/N:
N
SCHEDULE:
LOCATION:
Monday-Friday
On-Site
CATEGORY:
REVISION DATE:
Full-Time
03/2026
POSITION OVERVIEW The Consumer Loan Servicing Representative I handles a variety of inbound and outbound calls in a prompt and courteous manner by providing outstanding customer service, responding to customers, non‑customers, bank personnel, management, and the general public. Other responsibilities include resolving delinquent accounts, negotiating payment arrangements, reviewing accounts for repossession, and skip tracing.
This position is a unionized position through the Communication Workers of America.
ESSENTIAL DUTIES
Performs as a team member in allocating and coordinating the workflow
Collects customer payments in accordance to their due dates and assists with payment due date changes
Familiarizes with Beneficial Bank Policies
Promotes the Bank’s products and services and consistently cross-sell products in every opportunity
Makes every effort to resolve customer problems
Solicits for new loans
Reviews open accounts for collection, repossession, and identifies source of attributions to account delinquency
Works with peers and Management to minimize delinquency, charge-off, and maintains quantity without sacrificing quality
Reviews and monitors any assigned accounts and collection reports
Identifies opportunities for account recourse and skip trace to locate customer
Maintains knowledge and understanding of FDCPA and Truth and Lending and all TRC training
Generates outbound calls with delinquent borrowers who are considered high-risk or with associated third parties
Uses payment strategies to resolve customer delinquency
Records information about financial status of customers and collection efforts
Works on assigned welcome list
Requests field visits and remove alerts when appropriate
Submits repossession assignment and assists with cancellation of repossession as needed
Provides timely follow-up on payment arrangement
Reviews accounts for legal
Review accounts for Due date changes, skip a pay, PICL and other programs offered by the bank
Ensures compliance with all state and federal regulations and internal company policies, including but not limited to BSA / Anti-Money Laundering, Fair Lending, Privacy, and Anti-Discrimination, to the extent each applies to current job responsibilities
The position performs duties specific to the position and other functions as assigned.
ROLE COMPETENCIES / SKILLS
Attention to Detail
Diversity & Inclusion
Execution & Ownership
Time Management
Judgment and Decision Making
Loan Processing
Regulatory Compliance
Credit Management
Data Entry Financial Reporting
Analytical Thinking
ENVIRONMENT, PHYSICAL & MENTAL ACTIVITIES
The incumbent is in a non-confined office-type setting in which they are free to move about at will. It may include some minor annoyances such as noise, odors, drafts, etc.
The incumbent in the course of performing this position spends time writing, typing, speaking, listening, lifting (up to 10 pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling and reaching.
The incumbent for this position may operate any or all of the following: personal computer, cellular telephone, printer, fax, and other standard office equipment.
The incumbent in this position must be able to accommodate reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks and constant interruptions.
The work environment characteristics, physical and mental demands described here are representative of those an employee encounters while performing the essential functions of this job.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
POSITION REQUIREMENTS Minimum Qualifications
Competencies/Skills listed above, as well as:
High School Diploma or of equivalent education; Bachelor’s degree preferred
1+ years in a call center environment with collections, skip tracing, and previous loan collection experience preferably in a financial institution
Knowledge of bank operations, retail banking products, and banking regulations pertaining to financial transactions; prior experience and knowledge preferred
Demonstrated strong interpersonal skills
Computer literacy in Microsoft application: Word, Excel, and Outlook required
Preferred Qualifications
Solid math skills and bookkeeping
Management reserves the right to change this position description at any time according to business needs.
COMPENSATION The posted pay range is the lowest to highest compensation we reasonably in good faith believe we would pay at posting for this role but may include ranges from the different geographies where this position may be based. New employees’ starting pay is usually from the start of the range to approximately 25% of the max, more qualified and/or experienced employees may start near the middle of the range for their geography. We may ultimately pay more or less than this range.
Compensation for our organization is based on factors that include the role, required knowledge, skills, abilities and competencies, and candidates’ relevant education, qualifications, certifications, experience, skills, seniority, location, performance, union contract and business needs. Our pay ranges are based on national living wage indexes, such as MIT’s living wage index, to enable us to pay our employees beyond what are standard practices for many employers, and also take into account geographically-specific recent compensation market survey data for each position.
BENEFITS Beneficial State Bank’s benefits include a comprehensive package designed to support you and your eligible dependents. We focus on the holistic health of our team members and promote work-life balance.
Medical / Dental / Vision / Basic Life / STD / LTD
Vacation Days: 2-4 weeks depending on role
Sick Days: 12 days per year
Holidays: 11 days per year
Education and Adoption Assistance
Bank-Wide Annual Discretionary Bonus Program
Production-based incentive program available for some roles.
Paid Volunteer Time: 4 days per year / annual match of qualifying employee donations
Paid Sabbatical Program after 5 years of service
You are welcome here at Beneficial State Bank. We are an equal opportunity employer and all qualified applicants will receive consideration for employment regardless of race, color, religion, sex, sexual orientation, national origin, gender identity, disability or veteran status.
Porterville, 268 N Main St, Porterville, California, United States of America
#J-18808-Ljbffr
Job Description Posted Thursday, March 5, 2026 at 11:00 AM
Our ideal candidate : We are seeking candidates deeply committed to our mission: to transform the banking industry from within. We lead by example, collaborate with and invest in change‑makers and build sustainable prosperity in our communities.
Who we are : Beneficial State is one of only a handful of B‑Corp banks in the nation and one of the highest‑rated B‑Corps on the planet. That means that we subscribe to a rigorous evaluation standard that measures our positive impact, not just our profitability. We demonstrate how a bank can combine social equity, environmental sustainability, and business stability to create a better financial system – a system that drives inclusive prosperity to benefit people and the planet. #BCorp #WeAreBCorps
Join our team:
If you are ready to do challenging and transformative work that will build a brighter future for us all, and you are hungry to bring your passion and energy to the table, we welcome your application.
TITLE:
JOB CODE:
FLSA:
Non-Exempt
SALARY GRADE:
3
JOB FAMILY:
UNION REPRESENTATION:
CWA 7901/9412
DEPARTMENT:
621 Consumer Lending Collections
SUPERVISORY ROLE Y/N:
N
SCHEDULE:
LOCATION:
Monday-Friday
On-Site
CATEGORY:
REVISION DATE:
Full-Time
03/2026
POSITION OVERVIEW The Consumer Loan Servicing Representative I handles a variety of inbound and outbound calls in a prompt and courteous manner by providing outstanding customer service, responding to customers, non‑customers, bank personnel, management, and the general public. Other responsibilities include resolving delinquent accounts, negotiating payment arrangements, reviewing accounts for repossession, and skip tracing.
This position is a unionized position through the Communication Workers of America.
ESSENTIAL DUTIES
Performs as a team member in allocating and coordinating the workflow
Collects customer payments in accordance to their due dates and assists with payment due date changes
Familiarizes with Beneficial Bank Policies
Promotes the Bank’s products and services and consistently cross-sell products in every opportunity
Makes every effort to resolve customer problems
Solicits for new loans
Reviews open accounts for collection, repossession, and identifies source of attributions to account delinquency
Works with peers and Management to minimize delinquency, charge-off, and maintains quantity without sacrificing quality
Reviews and monitors any assigned accounts and collection reports
Identifies opportunities for account recourse and skip trace to locate customer
Maintains knowledge and understanding of FDCPA and Truth and Lending and all TRC training
Generates outbound calls with delinquent borrowers who are considered high-risk or with associated third parties
Uses payment strategies to resolve customer delinquency
Records information about financial status of customers and collection efforts
Works on assigned welcome list
Requests field visits and remove alerts when appropriate
Submits repossession assignment and assists with cancellation of repossession as needed
Provides timely follow-up on payment arrangement
Reviews accounts for legal
Review accounts for Due date changes, skip a pay, PICL and other programs offered by the bank
Ensures compliance with all state and federal regulations and internal company policies, including but not limited to BSA / Anti-Money Laundering, Fair Lending, Privacy, and Anti-Discrimination, to the extent each applies to current job responsibilities
The position performs duties specific to the position and other functions as assigned.
ROLE COMPETENCIES / SKILLS
Attention to Detail
Diversity & Inclusion
Execution & Ownership
Time Management
Judgment and Decision Making
Loan Processing
Regulatory Compliance
Credit Management
Data Entry Financial Reporting
Analytical Thinking
ENVIRONMENT, PHYSICAL & MENTAL ACTIVITIES
The incumbent is in a non-confined office-type setting in which they are free to move about at will. It may include some minor annoyances such as noise, odors, drafts, etc.
The incumbent in the course of performing this position spends time writing, typing, speaking, listening, lifting (up to 10 pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling and reaching.
The incumbent for this position may operate any or all of the following: personal computer, cellular telephone, printer, fax, and other standard office equipment.
The incumbent in this position must be able to accommodate reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks and constant interruptions.
The work environment characteristics, physical and mental demands described here are representative of those an employee encounters while performing the essential functions of this job.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
POSITION REQUIREMENTS Minimum Qualifications
Competencies/Skills listed above, as well as:
High School Diploma or of equivalent education; Bachelor’s degree preferred
1+ years in a call center environment with collections, skip tracing, and previous loan collection experience preferably in a financial institution
Knowledge of bank operations, retail banking products, and banking regulations pertaining to financial transactions; prior experience and knowledge preferred
Demonstrated strong interpersonal skills
Computer literacy in Microsoft application: Word, Excel, and Outlook required
Preferred Qualifications
Solid math skills and bookkeeping
Management reserves the right to change this position description at any time according to business needs.
COMPENSATION The posted pay range is the lowest to highest compensation we reasonably in good faith believe we would pay at posting for this role but may include ranges from the different geographies where this position may be based. New employees’ starting pay is usually from the start of the range to approximately 25% of the max, more qualified and/or experienced employees may start near the middle of the range for their geography. We may ultimately pay more or less than this range.
Compensation for our organization is based on factors that include the role, required knowledge, skills, abilities and competencies, and candidates’ relevant education, qualifications, certifications, experience, skills, seniority, location, performance, union contract and business needs. Our pay ranges are based on national living wage indexes, such as MIT’s living wage index, to enable us to pay our employees beyond what are standard practices for many employers, and also take into account geographically-specific recent compensation market survey data for each position.
BENEFITS Beneficial State Bank’s benefits include a comprehensive package designed to support you and your eligible dependents. We focus on the holistic health of our team members and promote work-life balance.
Medical / Dental / Vision / Basic Life / STD / LTD
Vacation Days: 2-4 weeks depending on role
Sick Days: 12 days per year
Holidays: 11 days per year
Education and Adoption Assistance
Bank-Wide Annual Discretionary Bonus Program
Production-based incentive program available for some roles.
Paid Volunteer Time: 4 days per year / annual match of qualifying employee donations
Paid Sabbatical Program after 5 years of service
You are welcome here at Beneficial State Bank. We are an equal opportunity employer and all qualified applicants will receive consideration for employment regardless of race, color, religion, sex, sexual orientation, national origin, gender identity, disability or veteran status.
Porterville, 268 N Main St, Porterville, California, United States of America
#J-18808-Ljbffr