Credit and Collections Representative
Ohio Truck Sales, Westlake, OH, United States
Job Description
The Credit & Collections Associate will help manage the loan process (origination, underwriting, collections (3rd party), etc.) while aligning the company to make consumer loans for semi-trucks within corporate and legal guidelines. This position is a performance based, hands‑on, customer‑focus role that is responsible for following the company’s underwriting and collection practices.
Key Responsibilities / Essential Job Functions
Build customer relationships
Conduct customer interviews during the underwriting process
Follow underwriting guidelines
Ability to analyze credit reports
Knowledge of loan documentation preparation
Ensure all lending procedures comply with legal regulations and guidelines
Resolve customer delinquency issues
Process payments
Minimize loss rates
Manage repossessions
Skip tracing
Bankruptcy
Monitor/process payments
Work with repossession companies
Knowledge of state and federal regulations for the industry
Time management
Required Education, Skills & Abilities
3+ years of experience in the underwriting and collections field, preferably in the subprime consumer industry
Effective communication, negotiation, and problem-solving skills
Ability to interact with customers in a professional, tactful, and sensitive manner
Extremely detail oriented and organized
Strong analytical, interpersonal communication and writing skills
Innovative and critical thinking with the ability to solve problems
Available to work a flexible work schedule
Bilingual (English/Spanish) preferred
Degree preferred, but not required
Valid Driver’s license
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.
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The Credit & Collections Associate will help manage the loan process (origination, underwriting, collections (3rd party), etc.) while aligning the company to make consumer loans for semi-trucks within corporate and legal guidelines. This position is a performance based, hands‑on, customer‑focus role that is responsible for following the company’s underwriting and collection practices.
Key Responsibilities / Essential Job Functions
Build customer relationships
Conduct customer interviews during the underwriting process
Follow underwriting guidelines
Ability to analyze credit reports
Knowledge of loan documentation preparation
Ensure all lending procedures comply with legal regulations and guidelines
Resolve customer delinquency issues
Process payments
Minimize loss rates
Manage repossessions
Skip tracing
Bankruptcy
Monitor/process payments
Work with repossession companies
Knowledge of state and federal regulations for the industry
Time management
Required Education, Skills & Abilities
3+ years of experience in the underwriting and collections field, preferably in the subprime consumer industry
Effective communication, negotiation, and problem-solving skills
Ability to interact with customers in a professional, tactful, and sensitive manner
Extremely detail oriented and organized
Strong analytical, interpersonal communication and writing skills
Innovative and critical thinking with the ability to solve problems
Available to work a flexible work schedule
Bilingual (English/Spanish) preferred
Degree preferred, but not required
Valid Driver’s license
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.
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