Vault is a non-bank owned private lending company offering a wide array of financial services such as mortgages, business loans, equipment leasing as well as many other lending products. Vault has a devoted team of experts with years of experience in both financial services and real estate. We deliver products and services that meet our borrowers' diverse needs quicker and easier than any traditional sources!

Who you are:

The successful candidate: You are passionate and motivated by the success of owning your own results, effectively collecting payments on past due lease and loan accounts within assigned delinquency range through verbal and written contact with customers in English or French. Under general supervision and in compliance with established policies and procedures, resolve objections and collect the bad debt through various negotiation techniques skip tracing efforts and a thorough analytical review of the customer's financial status, with integrity and professionalism.

A team player who believes in the relentless pursuit of excellence.

Responsibilities include , but not limited to:

• Promptly notify customers on assigned task list of past due monthly lease or loan payments through daily calls, emails, letters , SMS texts and collect past due payments to bring the account back into good standing.
• Advise customers of necessary actions and negotiate debt repayment. Follow up frequently for payment commitments as per company process guidelines.
• Take ownership of your results
• Be compliant with all federal and provincial procedures as it relates to the role, as well as established company policies and procedures.
• Problem solving and tactfully managing confrontational or stressful interactions, efficiently deescalating complaints always treating customers with integrity.
• Knowledge of financial contract terms required to effectively to communicate with customer and enforce the contracts.
• Knowledge and understanding of Equifax reports and general business information that may be presented to you.
• Diligently work through assigned NSF reports and A/R reports
• Make detailed notes on each customer file. Efficiently utilize follow up system to ensure effective time management and continuity in the event of absence.
• Maintain a watch list of files that will be potential result in defaulted leases and assigned to Senior Collector.
• Meet regularly with supervisor to review accounts and progress and ensure AR delinquency is within tolerance levels.
• Calculate payouts, past due balances including late charges and past due interest.
• Respect and follow processes and procedures of various originators when dealing with customers.
• Escalate to management any queries beyond scope of individual empowerment.
• Work independently within a team to ensure service levels are being met. Assist team members when needed.
• Meet bi- weekly with manager and team to review accounts and progress.
• Provide bilingual assistance to the team where required.
• Other duties and special projects as management may require.

Knowledge, Skills, and Experience required (unless otherwise noted):

• Strong English skills, both written and oral.
• Strong French skills , both written and oral a strong asset
• Postsecondary education, plus a minimum of four (2) years collections experience in a commercial/consumer industry
• Proficient computer skills including proficiency in Microsoft Office and Excel applications, email, and basic internet usage.
• Interpretation of Equifax credit reports
• Excellent organizational and time-management skills. Must be meticulous.
• Strong persuasion, negotiation, problem solving and conflict resolution skills.
• Strong interpersonal/internal customer service skills.
• Ability to know your customer and problem solve.
• Ability to calculate figures and amounts such as interest and percentages.
• Ability to work well under the pressure of meeting tight deadlines in a timely manner.
• Ability to prioritize, manage multiple tasks efficiently with little direct guidance, rapidly adapt to changing environment and possess strong work ethics.
• Team player who can work independently.