ESSENTIAL DUTIES AND RESPONSIBILITIES:

Includes the following. Other duties may be assigned.

Supervise staff, including time keeping for Special Assets employees.

Answers phones, places calls, resolves problems, and answers questions relating to bankruptcy and charged-off accounts.

Establish banks position in bankruptcy case by reviewing filed documentation such as petition and schedules and internal documentation such as notes, security agreements, titles, and UCC's.

Attend creditor's meetings and court hearings on issues such as Motion to Lift stay, Cash Collateral Order, and Plan Confirmation.

Prepare and file proofs of claim and all other necessary documents as needed.

Work closely with bank's attorneys for bankruptcies, judgment, foreclosures, repossessions or other legal activity as needed.

Provide all loan documentation to bankruptcy attorney when they are required to prepare orders, motions, and agreements.

Review and approve all attorney prepared documents like Motion to Lift Stay, Cash Collateral Order, Proof of Claim, and Agreed Order.

Repossess/Foreclose and liquidate collateral, and prepare and mail all letters and internal memos as required. Utilize new software "CARM-Pro" as the record keeper for repossessions, foreclosures to ensure date sensitive material is prepared timely.

Keeps accurate records of foreclosures and repossessions for auditing purposes.

As requested, problem loans are given to the special assets Collector to work the loans closely with the customer. May meet with customer in person to assess the situation as needed. Updates Chief Lending Officer and Regional Presidents regarding customers in their area.

Review current value determination on collateral and request updated value determination when needed.

Monitor bankruptcy cases for dismissal or discharge.

Review all charged-off, foreclosure, and repossession memos to determine collectability.

Prepare and mail collection letters.

Negotiate repayment terms with customers on charged-off accounts.

Supervises and handles law suit and judgment filings, with and without legal representation.

Supervises the incoming tax suits and follows through with the lender to ensure taxes are paid to protect our lien position.

Monitor, track, and renew judgments as needed.

Aids lending personnel in locating customers and collateral using skip tracing software, internet and social media.

Prepare monthly reports for management and assists with board reports.

Works closely with Loan Operations and assists in special projects as time allows.

Administrator for collections software, IBS CARM-Pro.

Open and monitor all Bankruptcy Debtors-in- Possession (DIP) accounts.

Prepare and submit quarterly report on Debtor-in-Possession (DIP) accounts to the U.S. Trustees office as required.

Employee is responsible to understand and comply with regulatory requirements for financial transactions, most specifically Bank Secrecy Act (BSA) and Customer Identification Program (CIP) as it relates to specific job functions.

Exhibits superior customer service as an Austin Bank team member. Demonstrates high quality relationship building techniques to ensure the customer receives the best possible solution to banking and financial needs. Helps promote a loyal relationship between the customer and Austin bank.

Participates in developing a teamwork atmosphere with co-workers as part of department/branch location by attending meetings, participating in discussions, treating co-workers with respect and courtesy, and contributing to departmental goals.

Has a responsibility to stay abreast of company communications by reading publications, announcements and company e-mails, etc. Takes advantage of appropriate communication channels regarding bank related business matters.

Develop personal skills and capabilities through on-going training, as provided by the company or elsewhere subject to Company approval.

Uphold and safeguard the organizations values particularly relating to ethics, integrity, and confidentiality both internally and externally.

Greets customers and provides superior customer service.

QUALIFICATION REQUIREMENTS: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE: 4 year degree or equivalent of 3-5 years related experience. Must be familiar with Fair Debt Collection Practices Act.