About

• At the Bank of Guam it all starts with HEART! 

We are on a mission to delight customers by delivering exceptional service and being there for them when they need us most – just like family. We demonstrate that level of care by being AUTHENTIC, COMPASSIONATE, COURAGEOUS and PERSEVERING in all our interactions. To that end we encourage all employees to find their passion and be their best selves for our customers, fellow employees, and the greater community. We do this by

• LIVING THE BRAND and leading with heart and exceeding expectations

• EMBRACING THE JOURNEY by accepting change and challenging others to do the same

• BEING AN OWNER of our career and taking responsibility for our actions

• LOVING TO LEARN by committing to personal growth and development

• General Summary: 

LAD Collector I will be responsible for initiating and pursuing various types of collection efforts to ensure the prompt collection of delinquent and charged-off direct/indirect consumer, commercial, construction, and real estate loans. As a member of the team, you adapt and respond to customer needs, industry changes as well as internal initiatives. You are someone who thrives in an ever-changing, ever-growing, fast-paced environment. You bring exceptional communication skills, attention to detail and a strong work ethic. You prioritize effectively and get things done in a dynamic environment.  You value team work and are committed to prioritizing the team both inside and outside of work. Hence you will support and contribute to team moral activities to foster a productive, fun, safe, and healthy working environment.   Responsibilities will include, but are not limited to, the following

• Category of Essential Functions & Task

• FLSA Class

• % Time

• Manage the Relationship 

• Non-Exempt

• 10%

• Teamwork is crucial to the success of LAD’s role in the organization. You must be able to work well with others in team and work well individually.

• *  Actively participates in team moral building activities both inside and outside of the bank. 
• * Participate and share ideas during department meetings.
• * Be open to cross-training, collaborating and supporting fellow team members to meet department goals

• Manage the Experience

• Non-Exempt

• 15%

• * Proactively role model our bank brand personalities and build meaningful connections with employees, customers and vendors.
• * Resolves problems quickly, ensures root causes are addressed and works to eliminates repeat issues; ensures customers are satisfied with timing and quality of solutions offered.
• * Represent/participate in Bank sponsored events and community outreach programs.
• *  

• Manage the Transaction/Tasks

• Non-Exempt

• 60%

• * Contacts customers to request payment of delinquent amounts and arranges an acceptable payment plan.
• * Contacts credit, employment, and other references when customer whereabouts are unknown
• * Reviews credit and other available information on delinquent accounts, evaluates prospects for collection of delinquent amounts
• * Perform research on customer history
• * Prepare periodic reports of collection activities
• * Prepare charge-off requests/reports
• * Process payments made in Loan Adjustment Department or payments collected while conducting field work
• * Documents all collection efforts and files all necessary documentation in appropriate files
• * Perform fieldwork; customer visits, repossessions, foreclosures, collateral inspections and documents all relevant information
• * Perform related duties and responsibilities as required and as assigned

• Mitigate the Risk

• Non-Exempt

• 15%

• * Keeps informed of laws, regulations, and rulings governing negotiable instruments, insolvency, and bankruptcy.

• * Maintain the confidentiality of both the customer and the bank.

• * Understands and applies bank policy and procedures.
• * Adhere to all state and federal regulations.
• * Complete all bank mandated training

• FLSA Categorization 

• Non-Exempt

• 100%

Required Knowledge, Skills and Abilities

• * Good written and verbal communication skills
• * Proficiency in Microsoft Office products
• * Ability to operate standard office equipment (computer, copy machine etc.)
• * Valid driver’s license and ability to operate an automobile
• * Ability to work flexible hours/days

• * Ability to work with minimal supervision and to meet deadlines

• * Ability to read and interpret documents, instructional manuals and procedures

• * Strong problem solving abilities necessary to analyze, and resolve issues as it relates to the job description
• * Must be a results oriented performer.

• * Detail-oriented, organized, and self-motivated
• * Ability to write routine reports and correspondence

• * Must be multi-task oriented 
• * Must be able to work with/communicate with irate customers

• * Ability to work in teams/team player

Education and Experience

• * High school graduate or equivalent or general education degree (GED) 

• * Six months to one year experience in an office environment

• Physical Requirements & Working Conditions: 

• 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 function. 

• * Seeing: Must be able to read report and use computer regularly (100%)
• * Hearing: Must be able to hear well enough to communicate to coworkers regularly (67-100%)
• * Fingering/Grasping/Feeling: must be able to write, type, use phone, regularly (100%)
• * Lifting/Pulling/Pushing Frequently (34-66%)
• * Climbing/Stooping/Kneeling Occasionally (12-33%)
• * Seeing: Must be able to read report and use computer (100%) 

• Must be able to operate basic office equipment (PC, typewriter, fax, copier and telephone) as well as new and emerging technology, including but not limited to smart phones, tablet devices, digital signage and monitors. Must be proficient in Microsoft Office.

• Fair Labor Standards Act (FLSA) Categorization

• Based off of the duties that are described for this role, this is a Non-Exempt role.