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Capital Bank Corporation

Capital Bank was formed by Capital Bank Financial Corp. (formerly North American Financial Holdings, Inc.), a bank holding company incorporated in the state of Delaware in 2009. Capital Bank Financial Corp.’s objective is to create a regional banking franchise in the southeastern United States through organic growth and acquisitions of other banks, including failed, underperforming and undercapitalized banks. Beginning in December 2009, Capital Bank Financial Corp. raised approximately $900 m... Read More

Address      333 Fayetteville Street Raleigh, NC 27601
Website      /www.capitalbank-us.com/
Holding      No Holding Details

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Collections Specialist

SUMMARY:
Support the Banks collection efforts on past due accounts to help control past due numbers and to mitigate losses. The primary reporting relationship will be with the Director of Default Management but will also operate under the direction of the Consumer Risk Executive. Direct past due calling on assigned groups of delinquent loans. Identify opportunities for referrals to Loss Mitigation Specialist on accounts that need additional activity to cure a past due situation. Work with the Special Asset Manager on commercial accounts on an as needed basis.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following:
1. Direct past due responsibility of an assigned grouping of Retail Loans.
2. Assist Retail Lenders resolve problem past due accounts as needed.
3. Inspect problem assets as needed to ascertain value to include real estate, vehicles, personal property and commercial inventory and equipment.
4. Work closely with our outside collection services to monitor activity and maximize recovery results and returns for the Bank.
5. Be an active participant in weekly retail past due meetings. Report and recommend actions on accounts where needed.
6. Review all policies and procedures as they relate to the fair Debt Collection Practices Act and coordinate changes through Credit Administration management.
7. Strong computer literacy. Especially in the creation of spreadsheets and tracking mechanisms.
8. Miscellaneous collection activities as assigned including but not limited to sending collection letters as needed, full demands of past due loans, field calls as assigned, workouts of problem loans and recommendation of charge off to Credit Administration management.
9. Perform other related duties as required or assigned.


SUPERVISORY RESPONSIBILITIES: None
Requirements     QUALIFICATIONS: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Successful candidates should display the following:
1. Ability to effectively communicate verbally and in writing.
2. Full understanding of the Fair Debt Collection Practices Act.
3. Proficiency in Windows based applications, general loan/collection systems and excel.
4. Knowledge of valuation processes for vehicles and real estate.
5. Judgment and decision making as well as the ability to think independently.
6. Detail oriented with strong organizational and negotiation skills.
7. Consumer Protection Regulations and Compliance, including Bank Secrecy Act.

EDUCATION and/or EXPERIENCE: Bachelor’s degree, preferably in business or accounting related or comparable industry experience. Two to three years Bank/Finance Company collections experience.


COMPUTER SKILLS: Expertise with spreadsheets and word processing applications and ability to use or learn PC email, intranet and other various applications needed to perform the duties of the position.

LANGUAGE and COMMUNICATION SKILLS: Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedures. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

ANALYTICAL SKILLS: Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of algebra. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical financial applications. Using calculators to do amortization schedules and other financial functions.

REASONING ABILITY: Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret financial institution regulations and a variety of business instructions furnished in written, oral, diagram, or schedule form.

SAFETY, SECURITY and CONFIDENTIALITY: This position requires keeping complete confidentiality of all customer transactions and information, and paying close attention to security within and around the bank's premise at all times.

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

While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; and talk or hear. The employee is occasionally required to stand; walk; reach with hands and arms; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, and ability to adjust focus.

WORK ENVIRONMENT: The work environment characteristics 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.

Other Job Information

Vacancy type:

Full Time

Contact Mode:

not provided

Fax:

305.224.4962

Contact Name:

not provided

Job Duration:

not provided

Phone:

305.405.7070

Email:

careers@capitalbank-us.com

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