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Collections Specialist at KS StateBank – Manhattan, Kansas

KS StateBank
Manhattan, Kansas, 66502, United States
Posted on
Updated on
Recently UpdatedSalary:$50000 - $70000Job Function:Accounting/FinanceEmployment Type:Full-TimeMinimum Education:None

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About This Position

Position Description:

The Collections Specialist is responsible for the day-to-day management and collection of past-due consumer and commercial loan accounts. This position focuses on early-stage through advanced delinquency, borrower outreach, documentation, and coordination with Loan Officers, Government Finance Originators, Credit Risk, and Legal Counsel to ensure timely resolution of delinquent accounts and compliance with Bank policies and applicable regulations.

We currently have a full-time position available Monday through Friday, 8:00AM to 5:00PM. Wages start at $50,000 - 70,000 per annum based on experience.

Employee benefits include 401k, health, dental and vision insurance and paid time off.

Job Responsibilities:

Delinquency Monitoring & Outreach:
Monitor daily and monthly past-due loan and credit card reports (30+, 60+, 90+ days)
Contact borrowers via phone, email, and written correspondence to obtain payment, establish repayment plans, or cure delinquencies
Document all collection efforts accurately and consistently in the Banks loan servicing system

Collections Process Execution:
Prepare and send Right-to-Cure notices, demand letters, and follow-up correspondence in accordance with policy and regulatory requirements
Coordinate with Loan Officers and Government Finance Originators prior to borrower contact when required
Track borrower responses and escalate unresolved accounts according to established timelines

Charge-Off & Recovery Support:
Assist Credit Risk, Loan Officers and Government Finance Originators with loan and credit card charge-off preparation, including required forms and documentation
Coordinate with approved third-party collection agencies once internal collection efforts are exhausted
Maintain supporting documentation for loan loss reserve and charge-off discussions

Legal & Compliance Coordination:
Work closely with internal staff and external legal counsel on foreclosure, bankruptcy, repossession, and judgment support activities
Ensure all collection actions comply with applicable laws, regulations, and Bank policy
Maintain confidentiality and professionalism in all borrower interactions

Reporting & Administrative Support:
Prepare routine reports for management related to delinquency trends, collection activity, and high-risk accounts
Maintain organized electronic and physical files for all accounts in collections
Support audits, exams, and internal reviews by providing requested documentation

Assumes responsibility for related duties as required or assigned

Knowledge, Skills and Abilities:
High School Graduate or GED required; Associates or undergraduate degree in Business, Finance, Accounting or related field preferred.
25 years of experience in bank collections, loan servicing, consumer lending support, or credit administration
Experience with delinquent loan accounts, borrower communications, and documentation strongly preferred
Strong communication skills with the ability to handle difficult borrower conversations professionally
Detail-oriented with strong organizational and documentation skills
Ability to follow established procedures and escalation paths
Working knowledge of loan servicing systems and Microsoft Office products
Ability to work independently while collaborating closely with Loan Officers, Government Finance Originators, Credit Risk, Compliance, and Legal teams

Physical Requirements:
Ability to stand for long periods of time
Able to view a computer screen for long periods of time
Must be able to speak and listen clearly both in person and on the phone
Fine visual acuity to read for accuracy
This job may require lifting up to 50 pounds occasionally, 10 pounds frequently
Additional Information:

KS StateBank is an equal opportunity employer. It is the Banks policy to make employment decisions on the basis of merit and to prohibit discrimination on the basis of race, color, sex, religion, age, national origin, disability, genetic information or any other consideration made unlawful by applicable law. The Bank is committed to complying with all applicable laws providing equal employment opportunities. This commitment applies to all persons involved in the operations of the Company and prohibits unlawful discrimination by any employee or supervisor. If you believe you have been subjected to any form of unlawful discrimination, please contact an Executive Officer of the Bank. The Bank will immediately undertake an effective, thorough and objective investigation. If the Bank determines that unlawful discrimination has occurred, effective remedial action will be taken. Appropriate action will also be taken to deter future discrimination. The Bank will not retaliate against you for filing a complaint and will not permit retaliation by management or your co-workers.

INTENT AND FUNCTION OF JOB DESCRIPTIONS All descriptions have been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive. Additional functions and requirements may be assigned by supervisors as deemed appropriate. In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization. Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.

Job Location

Manhattan, Kansas, 66502, United States

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