Consumer Portfolio Manager
Consumer Portfolio Manager
Posted on :
23-08-2025
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1 Vacancy
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Job Description
SUMMARY
We are seeking a highly organized and experienced Portfolio Manager and Collector to manage a growing portfolio of mobile home loans secured only by the home (chattel loans). This individual will be responsible for overseeing collections ensuring compliance with consumer laws and resolving servicing issues such as rent verification insurance escrow and title management. This is a key role in helping to develop and refine the loan servicing infrastructure.
ESSENTIAL DUTIES AND RESPONSIBILITIES
- Manage and service a portfolio of consumer chattel loans (mobile home only no real estate collateral).
- Initiate and follow up on collection efforts for past-due accounts in compliance with applicable consumer collection laws (FDCPA TCPA UDAAP etc.).
- Contact mobile home parks to verify rent payment status and coordinate on delinquency or abandonment cases.
- Monitor and resolve insurance lapses escrow shortages and tax issues on behalf of borrowers.
- Investigate and resolve title and lien issues including coordination with state title agencies.
- Maintain accurate records of all borrower communications promises to pay repossession activity and servicing history.
- Help develop implement and refine collections and servicing processes for improved efficiency and compliance.
- Utilize Fiserv Premier system to track payments update loan records and generate servicing reports.
- Work closely with internal departments such as Compliance Legal and Loan Operations to align on servicing and risk strategies
ADDITIONAL RESPONSIBILITIES
- Demonstrates high degree of professionalism in communication attitude and teamwork with customers peers and management
- Demonstrates high level of quality work attendance and appearance
- Adheres to all Company Policies & Procedures and Safety Regulations
- Adheres to local state and federal laws
- Understands and complies with all company rules and regulations
- Attends training and maintains a basic knowledge of procedures to ensure compliance with laws and regulations governing financial institutions as they apply to your position and job responsibilities with an emphasis on the BSA/AML/CIP Consumer Privacy Regulation CC Information Security Bank Protection Act FACT-Identity Theft Information Technology and GLBA.
- Additional duties as assigned as it relates to the position
SUPERVISORY RESPONSIBILITIES
This position does not have supervisory responsibilities
MINIMUM QUALIFICATIONS
- Direct experience with chattel/mobile home loans strongly preferred.
- Deep understanding of consumer protection laws (FDCPA UCC TCPA etc.).
- Familiarity with mobile home titling lien documentation and insurance practices.
- Strong verbal and written communication skills with the ability to professionally engage with borrowers and mobile home park representatives.
- Ability to work independently and drive operational improvements.
- Experience with Fiserv Premier is a strong plus.
- Bilingual (Spanish/English) is a plus.
COMPETENCIES:
- Adaptability
- Communication
- Decision Making
- Initiative
- Innovation
- Motivator
- Organization
- Professionalism
- Results Orientated
PHYSICAL DEMANDS: In general the following physical demands 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 allow differently-abled individuals to perform the essential functions of the job.
- Standing walking and squatting less than fifty percent of the work shift
- Required to lift move and carry up to 40 pounds
- Ability to read count and write to accurately complete all documentation and reports
- Must be able to see hear and speak in order to communicate with employees and other customers
- Specific vision abilities include close vision distance vision peripheral vision depth perception and ability to adjust focus
- Manual dexterity required using hands to finger; handle feel and type; reach with hands and arms
(Check the box that applies by double clicking on the box.)
X Light: Office work some lifting bending stooping or kneeling walking
WORK ENVIRONMENT: In general the following conditions of the work environment are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to allow differently-abled individuals to perform the essential functions of the job within the environment.
- The work space is clean orderly properly lighted and ventilated with the proper safety compliance
- Noise levels are considered moderate
Sunwest Bank Is an Equal Opportunity Employer
Sunwest Bank works with staff members and customers without regard to race ancestry national origin sex marital status age religion medical condition handicap disability or veteran status and to assist the Bank in maintaining its Affirmative Action Program.
Compliance with Bank Secrecy Act laws and regulations is considered an extremely serious matter and it is intended that Sunwest Bank through the purposeful efforts of its employees and officers are expected to make every resolute attempt to conform to its Bank Secrecy Act Program and Procedures. Failure to comply will be reflected in their performance review as well as in any bonus compensation programs in which they may participate.
Attend and complete all required classroom computer-based web-based and seminar training. It is the individual responsibility of every employee to maintain a current awareness and understanding of and to fully comply with Sunwest Banks Code of Ethics and Conduct. Each employee is also expected to maintain an awareness of the laws regulations internal policies and procedures that are appropriate for his/her position
Note: The preceding job description has been designed to indicate the general nature and level and work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties responsibilities and qualifications required of employees assigned to this job. All job descriptions can be amended without notice as warranted by business necessity.
Required Experience:
Manager
Employment Type
Full Time
Key Skills
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