Westamerica is among the largest commercial banks headquartered in California. We are looking for outstanding people to join our winning team. We reached our current strength because our employees, customers, and shareholders believe in the same fundamental goals: Delivering a wide variety of financial services with a superior customer service guarantee.

JOB SUMMARY:

Under Managerial guidance: Coordinates repossession activities on consumer loans and analyzes to gain maximum financial recovery.

ESSENTIAL FUNCTIONS: Fundamental Duties

• Coordinates repossession activities on exceptionally delinquent consumer loans including acquistion and liquidation of collateral
• Manages consumer purpose loan department administrative functions such as handling Servicemembers Civil Relief Act (SCRA) related calls, questions, and correspondence, obtaining appropriate documentation, logs all active SCRA loan participants and maintaining SCRA checklist 
• Attend regulatory seminars and webinars related to assigned responsibilities 
• Compliance Specific: Maintains awareness of federal and state regulations applicable to designated areas of responsibility, stays current with compliance trainings, adheres to bank's compliance practices, supports implementation of necessary changes to policies, procedures, and controls to ensure ongoing adherence.

Marginal Functions:

• Other related responsibilities as directed

MINIMUM KNOWLEDGE. PRIOR WORK EXPERIENCE. AND SKILLS NEEDED TO PERFORM JOB FUNCTIONS:

• 1-3 years of work experience in fast-paced environment. Preferred experience in bank lending, consumer loans or related field, or equivalent combination of education and related work experience
• Familiar with FDCPA and state regulations relating to collections and repossession activities
• Strong written and verbal communication skills, as well as interpersonal and presentation skills are required
• Excellent analytical and organizational skills with great attention to detail
• Ability to manage simultaneous tasks to meet deadlines on a continuous basis
• Excellent multi-tasking and time management skills
• Self-motivated, able to work independently and as part of a team
• Continuous commitment to compliance and fair lending related to assigned responsibilities
• Working knowledge and experience using computer and Microsoft Office applications
• Experience utiliziing Microsoft Access for data analysis and reporting preferred
• Regular on-site attendance required during regular business hours

PHYSICAL DEMANDS:

• Sitting for extended periods of time while using computer
• Frequent hand, wrist, and finger movements for tasks such as keyboarding, data entry, and mouse use
• Continuous close visual work is required for tasks such as data analysis, computer use, and reading
• Frequent communication in-person and via-phone, talking and hearing for such interactions
• Occasional movement within the office is necessary to access files or office machinery
• Occasional light, pushing, and pulling (up to 20lbs)
• Occasional stooping and reaching
• Occasional standing and walking

MENTAL DEMANDS:

• Continuously prioritizing multiple tasks and meeting deadlines while maintaining high level of compliance
• Continuously maintaining high levels of concentration
• Continuously applying analytical and organizational skills
• Ability to assimilate a great deal of financial data accurately and efficiently
• Ability to make sound decisions and determine when to report issues to management
• Professionally interact with and remind external customers of approaching deadlines and requirements

ENVIRONMENTAL DEMANDS:

• Work in a climate-controlled building without exposure to extreme temperatures.
• Office environment typically has a moderate noise level.
• Work area has standard office ventilation and air quality, with no exposure to fumes, dust, or other potentially harmful atmosphere conditions.

EOUIPMENT USED TO PERFORM FUNCTIONS:

• Computer
• Phone
• Common office equipment

SUPERVISORY RESPONSIBILITY:

• None

CONTACTS:

• Internal: All levels of personnel within organization
• External: Consumer loan customers, repossession and liquidation vendors

EOE

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