Customer Service Representative

21 hours ago


Cincinnati, Ohio, United States Fifth Third Bank, N.A. Full time
Customer Service Representative

We are seeking a highly skilled Customer Service Representative to join our team at Fifth Third Bank, National Association. As a Customer Service Representative, you will be responsible for providing exceptional customer service to homeowners who are experiencing financial difficulties. Your primary goal will be to assist these customers in navigating the loss mitigation process and finding solutions to their financial challenges.

Responsibilities:
  • Analyze borrower situations and respond to inquiries in a timely manner.
  • Commit to a sound customer experience and dedication to assist borrowers with loan questions, including Loss Mitigation, Foreclosure, Bankruptcy, Escrow, or related Customer Service issues.
  • Knowledge of all Loss Mitigation options offered by Fifth Third Bank and available to borrowers.
  • Provide borrowers with information on the actions needed to be evaluated for Loss Mitigation options, including the application process, pending deadlines, and the denial appeal process.
  • Welcome calls to borrowers and provide timely live telephonic responses to customer inquiries regarding the Loss Mitigation application process or other loan-related inquiries.
  • Respond to and research customer inquiries, researching appropriate courses of action and following up with management when needed to escalate potential issues.
  • Extensive knowledge of FiServ, ALS, CACS, COMIT, and ACE.
  • Review foreclosure holds and pending foreclosure action for accuracy, possessing full knowledge of circumstances under which Fifth Third may make a referral to foreclosure.
  • Ensure timelines are being met and continue to monitor loan resolution status from 45-day delinquent through the Loss Mitigation effort and until Foreclosure sale.
  • Correspond with borrowers on account status and progress, updating records to ensure that the customer has received the appropriate assistance and that Fifth Third Bank has knowledge of the location and condition of the collateral.
  • Reviews and analyzes pay histories and customer records, ensuring system updates for monthly reporting.
  • Perform other duties as assigned by the management team.

Requirements:
  • High School Diploma or equivalent.
  • Minimum 2 years Collections or Default Servicing experience.
  • Intermediate proficiency level in Microsoft Word and Excel.
  • Excellent oral and written communication skills.
  • Understanding of collections and default servicing practices, Loss Mitigation, foreclosure, bankruptcy, and REO experience preferred.
  • Ability to evaluate a customer's situation without judgment, being a customer advocate.
  • Excellent customer service skills with both external and internal customers.
  • Required to know and adhere to FDCPA/Privacy Act/state laws as well as other bank policies and investor requirements in regards to collection guidelines.
  • Strong organizational skills and attention to detail.
  • Ability to work independently with minimal supervision.
  • Ability to work overtime as needed.
  • Strong telephone and follow-up skills, and the ability to meet deadlines.
  • Working knowledge of collection processes and procedures required.
  • Must be able to work in a team environment to interact with employees and all levels of the organization.

Working Conditions:
  • Normal office environment with little exposure to dust and extreme temperatures.
  • Noise level is moderate to high.
  • Extending viewing of computer screens.
  • Repetitive keystroke movements and typing skills.
  • Lift and/or move up to 10 lbs; occasionally lift/and or move up to 25lbs.
  • Extensive time on the phone with customers up to 100% of the workday.


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