Collections Litigation Manager - Metro Office

Collections Litigation Manager - Capital City Bank - More than your bank, your banker.

Hours Mon - Fri

8 a.m. - 5 p.m.

General Summary

Collections -Directs and manages consumer loan, real estate loan, and departmental support personnel. Exercises managerial control over the functions of the department, including implementation of policies, procedures and goal objectives. Develops collection strategies to minimize collection portfolio loss. Evaluates effectiveness through analysis of activity reports.

Special Assets - Responsible for managing real property assets obtained through foreclosure (ORE). This includes securing the asset, reconditioning (when needed), maintenance and engaging real estate listing agents.

Loan Workouts - Actively manage, to satisfactory resolution troubled, substandard, and impaired loans.

This position has direct responsibility for employment decisions. (include if applicable)

In compliance with the S.A.F.E. Act, registration in the NMLS Registry is required. (include if applicable)

All associates at Capital City Bank, Capital City Wealth, and Capital City Home Loans have access to confidential client information and must practice discretion at all times.

Principal Duties and Responsibilities

Participates in the Bank’s development of collection policies and procedures for payment of delinquent accounts, and other default procedures.

Reviews the delinquent loan status for the Bank, where needed, coordinates contacting delinquent account holders through telephone calls, letters and personal visits.

Approves subordinate personnel collection activities regarding workouts of loan payments on delinquent accounts, assisting in procedures when necessary.

Directs status of delinquent accounts determined to be irresolvable, ensuring that all proper documentation is accounted for and all is properly entered.

Works with other departments within the Bank regarding litigation activities.

Meet regularly with support personnel to set goals, reinforce goals, coach, motivate and reward.

Responsible for hiring and staffing of department. Prepares and conducts performance evaluations.

Work with outside legal counsel and staff to facilitate the timely documentation and implementation of workout plans, litigation strategies or, when necessary, recourse to legal remedies.

Diligently apply both analytic and creative skills and business judgment to maximize the value and minimize the risk of each loan.

Manage, monitor, and regularly report to management regarding “classified” commercial and residential loans.

Analyze client loan relationships and proactively recommend appropriate steps to forestall or minimize asset deterioration and, when necessary, to maximize recoveries.

Work with lenders and clients to negotiate commercial loan and residential loan workouts that may include loan modifications, voluntary and involuntary receiverships, marshalling of assets, and asset sales.

Perform financial and legal risk evaluations of credits.

Work with lending associates and clients to better secure collateral and / or assets of the clients.

Aid other lenders and market Presidents with loan modifications questions and concerns.

Review and approve departmental expenditures and process payment through Capital City Bank’s AvidAscend program (time sensitive process).

Review and manage the reconcilement certifications and attestations, received monthly from financial accounting, for department (time sensitive process).

Special Assets – When needed, conduct initial site assessment of properties; coordinate securing property; conducts needs assessment and coordinate repairs; marketing and sale; assists in establishing pricing and hiring of realtor; and contract review.

ORE Disposition Strategy – Develop and implement strategies for the timely disposition of ORE properties to minimize financial loss for the Bank.

Requires strong analytical skills, demonstrable sales, works effectively with internal clients, realtors, and possess organizational abilities.

Employer determines the essential functions of the job.

All associates must understand and adhere to the non-negotiable Banker Standards and commit to practicing SGNNT (smile, greet, name, name, thank you) at all times. Associates will consistently follow policies and procedures as established by Capital City Bank, Capital City Wealth, and Capital City Home Loans, with department managers setting the standard.

Associated Duties

Provides additional support to manager and department colleagues.

Completes all assigned / required Bank training within established timelines.

Knowledge, Skills and Abilities (KSAs) Required

The following KSAs are usually acquired through college education with an emphasis in business and five to seven years’ related experience :

1. Five to seven years’ experience in credit or other lending activities.

2. Strong knowledge of Bank policies and procedures.

3. Superior analytical, communication and managerial skills.

4. Excellent ability to define problems, establish facts, and draw valid conclusions.

5. High degree of personal integrity

Education

Four-year degree in Business, Finance, Accounting, or related field, from an accredited university required. Relevant experience may substitute for the education requirement.

Working Conditions

1. Private office located at Metropolitan Retail Office

2. Standard business operation hours

3. In the rare instance of a major or extensive natural disaster, epidemic or pandemic occurrence, or other disruption within our footprint, it may be necessary for associates to relocate or telecommute before, during or after, to ensure business continuity.

Capital City Bank associates are our greatest asset. We offer the following benefits

• Medical, Dental and Vision
• Life Insurance
• 401(k) with Matching
• Flexible Spending Accounts
• Tuition Assistance
• Stock Purchase
• Discounts on Products and Services

EOE / Protected Veterans / Disabled / Drug Free

The above declarations are not intended to be an “all-inclusive” list of the duties and responsibilities of the job described nor are they intended to be such a listing of the skills and abilities required to do the job. Rather, they are intended only to describe the general nature of the job.

THIS JOB DESCRIPTION DOES NOT CONSTITUTE AN EMPLOYMENT AGREEMENT. This job description does not restrict Capital City Bank, Capital City Wealth, and Capital City Home Loans from the ability to assign, reassign or eliminate duties and responsibilities of this job at any time. This job description describes the current assignment of essential functions. These functions may change at any time as the needs of the Bank or department change or for other reasons deemed appropriate.