• Under the direction of the Pre-SIU Supervisor, the Pre-SIU Adjuster is responsible for conducting the initial investigation of automobile claims involving perils with a high propensity for fraud. • Identify potential fraud indicators, ensure timely and well-documented investigations. • Refer appropriate cases to the Special Investigations Unit (SIU) for further handling. • Performs tasks such as social media investigations, database searches, credit checks, and background checks. • Investigate, evaluate, and resolve automobile claims related to theft, fire, vandalism, and other suspicious loss types. • Document investigations and findings while ensuring compliance with state and federal laws and company policies.

• Responsible for the handling First and Third Party Property Damage, and Cargo and Third Party Bodily Injury claims stemming from accidents involving tractor-trailers • Engage with various internal and external partners to drive resolution on high-severity matters that are identified • Be adaptable to various business demands and willing to assist with special claims projects and other duties as assigned • Participate in regular claims reviews with both internal and external customers • Maintain current knowledge of insurance contracts and industry trends by proactively maintaining required adjuster license(s) • Provide technical expertise in response to inquiries from internal and external customers

Role Description The Adjuster position is responsible for collecting and servicing defaulted consumer loans from initial delinquency up to charge-off/recovery. While undertaking these activities, the Adjuster is required to adhere to Bank policies and procedures as well as all applicable regulations such as, but not limited to, the Fair Debt Collection Practices Act. The loan types the Adjuster primarily services include: - Installment loans - Revolving loans - Auto loans - Boat loans - Residential mortgage loans Adjusters are expected to deliver a high level of customer service and demonstrate excellent communication skills. Therefore, an Adjuster must: - Clearly and effectively communicate with customers through telephone contact as well as through electronic and written correspondence. - Mitigate delinquency rates on their assigned accounts using effective and professional collection and customer service techniques. - Promptly investigate, resolve, and/or escalate customer concerns. - Identify reasons for customer delinquency and demonstrate effective negotiation skills to collect payments, establish promise to pays, and make referrals for hardship assistance, when applicable. - Meet or exceed performance standards as set by the Collections Department Manager. - Attend various training and continuing education courses. Qualifications - High School Diploma. - 1-2 years of collections or comparable customer service experience preferred. - Ability to write clear and effective correspondence to customers, including demand letters and emails. - Ability to speak professionally to individuals over the telephone and via video conferencing while influencing results, responding to inquiries, and providing excellent internal and external customer experience. - Proficient utilization of core bank operating systems, MS Word, MS Excel software, or other technical applications and systems at an intermediate level, as needed. - General banking or finance knowledge as well as working knowledge of loan products including installment, revolving and residential mortgage. - General debt collection knowledge that includes applicable regulatory requirements such as the Fair Debt Collection Practices Act (FDCPA). - Ability to productively work, deliver results, and promote positive team culture in a remote working environment. - Strong analytical and problem-solving skills. Requirements - Works well in a remote working team environment while accomplishing individual and team goals. - Manage daily portfolio of delinquent account calling queues which include maintaining notes on customer responses, promises to pay, as well as following up on customer calls. - Maintain adequate collection notes and account documentation within our loan servicing systems that accurately reflect activity and action taken on loan accounts. - Effectively manage and de-escalate difficult customer interactions. - Maintain professionalism throughout the collections process, including when establishing borrower contact through inbound and outbound calls, emails, or other methods of communication. - Review, investigate, research, problem solve, and respond to customer account history disputes and inquiries, whether over the telephone or in written response format, as well as escalate to Collections Manager as required. - Demonstrate sound decision-making ability when servicing delinquent loan accounts and interacting with borrowers. - Maintain good communication with the Collections Manager to escalate situations adversely affecting delinquent account collection and customer complaints. - Ability to cross-train and effectively multi-task while fulfilling core responsibilities and supporting team efforts. - Meet or exceed performance goals, metrics, and expectations in a remote team environment. - Participate in and provide feedback on periodic performance conversations. - Monitor and measure personal performance to gauge personal effectiveness through the month and deliver upon established performance expectations. - Adhere to the highest legal and ethical standards applicable to our industry while observing both the spirit and letter of all applicable government regulations and laws and Bank policies and procedures. - Build solid relationships and effectively communicate with other internal departments such as retail lending, branch banking, loan operations and other Bank employees to ensure timely resolution of defaulted and maturing loans. - Conduct skip tracing to identify and update borrower location and contact information. - Prepare, proof-read and verify accuracy of written correspondence to borrowers in default including but not limited to default, demand, pre-acceleration and acceleration letters. - Prepare forms and reports to the Collection Manager such as charge-off forms. - Coordinate 3rd party field visits to the collateral properties of delinquent accounts in accordance with Bank policy and procedure. - Consent to being recorded on inbound and outbound calls in the course of fulfilling the responsibilities of the role. - Additional responsibilities as assigned by the Collections Manager and Bank leadership team. - Adhere to Seacoast Bank’s Code of Conduct. Benefits

- Liaison with Insurers, Policyholders and Brokers - Investigation of allocated claims in the field or from the desk - Compilation of all necessary evidence and relevant documentation - Preparation of Preliminary Reports detailing the evidence available and commenting upon - Policy Indemnity, Legal Liability, Quantum, and Tactics - Determine appropriate action for resolution of the case - Defend or negotiate settlement where appropriate, within agreed authority limits - Correspond with all parties professionally to proactively progress the case to conclusion - Investigate and handle all cases in accordance with the client’s requirements by referral to documented procedures at all times - Maintain a proper reserve at all times by regular review - Keep updated on any technical changes relevant to your role including participating in training programmes facilitated by the company - All Staff are expected to carry out any reasonable instruction given by their line manager, in line with business requirements.