Bilingual Senior Asset Recovery Specialist

We need to produce HTML fragment with headings

for sections: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Only include sections if posting has real specific content. We must not repeat job title as heading. Must not include Job ID etc as headings; can fold minor metadata into short

or drop it. Remove boilerplate: EEO, etc. Must preserve all substantive info. We need to parse the posting. Key sections: - Overview: description of role: "GreenState Credit Union Overview Reviews and works all assigned accounts..." That's the role description. Could be "About the role" section. - Responsibilities: long list. - Qualifications: includes High School Diploma or GED, Minimum of five years collection experience, ability to complete full analysis, working knowledge of legal principles, punctuality, etc. - Skills: maybe derived from qualifications? Could be separate but we can combine. - Pay: "Pay range for this hourly position is $38.06 - $44.50/hr with a progressive benefits package." - Benefits: "progressive benefits package" but not detailed; we might not create Benefits section unless specific content. The posting mentions progressive benefits package but no details. According to rule: never create Benefits section unless posting actually states them. It states "progressive benefits package" which is a benefit mention but not specific. Might be considered substantive? It says "with a progressive benefits package." That's a statement about benefits but not details. The rule: "never emit a heading followed by filler/placeholder text (e.g. 'commensurate with experience', 'not specified', 'N/A', 'varies', 'TBD')". "progressive benefits package" is not filler; it's a statement. Could include Benefits section with that sentence. - Schedule: Not explicitly stated. There's mention: "Job may require non-traditional workweek with extra hours including evening and/or weekend duties." That's schedule info. So we can include Schedule section with that. - Skills: Could be derived from qualifications like "Ability to operate related computer applications and office equipment", "Excellent analytical skills", etc. Might be better to have Skills section. We must not repeat job title as heading. Use

for each section. We need to output only HTML fragment, no /, no markdown. We must preserve all substantive info; do not invent or summarize away detail. So we need to include all details from responsibilities, qualifications, etc. Must not omit any substantive info. That's a lot; we need to include everything. We need to format responsibilities as

• items. The responsibilities list is long; we need to capture each bullet. The posting uses sentences separated by periods; we can split into list items for each duty. Must preserve all info; we can keep each sentence as a li. Similarly qualifications: list items. Skills: maybe we can extract from qualifications but we need to avoid duplication? The rule: preserve ALL substantive information; do not invent or summarize away detail. If we put skills section, we must not omit any skill info that appears elsewhere; but we could still include them in qualifications and also skills? That would duplicate info, which might be okay but could be considered repeating. Better to have Qualifications section include education, experience, knowledge, abilities. Skills could be separate but we might just not include Skills if qualifications already cover them. However the instruction says we can include Skills section if posting has real specific content for it. The posting does not have a separate "Skills" heading; but we could still create one if we have skill-specific content not covered elsewhere. But qualifications already include many skill-like items. To avoid duplication, maybe we omit Skills section and keep qualifications covering them. However we need to follow instruction: "Prefer a few substantive sections over many thin ones." So we can combine qualifications and skills into one Qualifications section. That's acceptable. Thus sections: About the role (overview), Responsibilities, Qualifications, Pay, Benefits, Schedule. Check each for substantive content: - About the role: we have overview paragraph(s). Must include all info from that paragraph: "GreenState Credit Union Overview Reviews and works all assigned accounts, ensuring all applicable collections and recovery efforts are completed. Makes determinations, via full analysis of accounts, on loss mitigation options, repossession, foreclosure, charge off and recovery placement. Completes all applicable and necessary efforts to reach member via phone, electronic and written correspondence with the goal of resolving delinquency, maximizing recoveries and mitigating losses for the credit union. Responsible for determining asset values, cost effectiveness and lien position. Responsible for maintaining account information and communication with vendors. GREENSTATE CULTURE: At GreenState, our purpose is to create lasting value for our members, our communities, and one another. We empower our teams to create opportunities that strengthen financial well-being, transform lives, and enhance the vitality of the communities we serve. We know our success—now and in the future—is deeply rooted in fostering an engaging, diverse, and inclusive workplace where everyone knows they matter, their work makes an impact, and their everyday commitment to living our values is what brings our mission to life." We need to keep that exactly (maybe trimmed). Ensure we don't lose any sentences. - Responsibilities: huge list. We need to capture each duty as separate li. Must preserve all. Let's extract sentences after "Responsibilities". The text: "Performs essential duties and responsibilities in the following areas which may include but are not limited to those listed and are subject to change. Adheres to the Credit Union's core values and Service Standards in conducting GreenState's mission and vision.Demonstrates a positive member service (internal and external) focus at all times.Demonstrates teamwork in all interactions with coworkers and in the completion of all duties and responsibilities.Ensures confidentiality of member information.Supports a diverse and inclusive work environment.Reviews daily delinquency, repossession, recovery, deceased and loss mitigation queues. Completes all necessary follow-ups on accounts via telephone, electronic, and written correspondence. Contacts co-makers, co-borrowers and guarantors.Makes collection contacts to legal and/or recovery accounts as well as accounts where member is deceased and performs and tasks or duties to aid in collection of past due, charged off or overdrawn accounts.Completes all required due diligence and contact attempts on deceased member accounts.Maintains accurate and punctual member records. Documents all communication, collections activity and escalation of accounts.Performs legal, factual, and records research, as well as extensive skip-tracing to locate members and assets.Makes determinations on Cease-and-Desist accounts.Completes loss mitigation reviews, including but not limited to gathering necessary documents and information from members to complete a full analysis. Orders property valuation and title search. Underwrites borrower’s income through review or applicable documentation. Completes all due diligence and follows up with members to get loan modifications agreements signed and closed.Works cooperatively with Collections Supervisor and SVP/Collections & Recoveries on loss mitigation reviews outside of delegated authority.Completes recommendation for charge off or foreclosure to Collections Supervisor including detailed analysis completed for the recommendation.Responsible for preparing required updated monthly reporting on loss mitigation, repossession, recovery and remarketing.Handles all matters regarding asset recovery including, but not limited to, determination of cost effectiveness within delegation of authority. Approval, assignment and monitoring of repossession in a timely manner. Recommendation and coordination of replevin action with our legal department. And recommendation for charge off once assets are recovered and remarketed or efforts have been exhausted.Makes decisions on and possesses the approval authority to negotiate settlements within delegated operational areas and manages post charge-off recovery.Prepares and submits required information for short sale, abandonment, and settlement requests which are outside delegated authority limits.Represents the credit union as a witness in litigation proceedings on externally placed legal accounts, which may require travel.Refers members to financial counseling when necessary.Responsible for communication with vendors. Ensuring up to date information is shared, records are accurately maintained, and vendors are processing requests in a timely manner.Provides coaching and feedback to peers where appropriate to ensure effective handling of delinquent accounts.Assists in new hire training or job shadowing when necessary.Responsible for monitoring Bankruptcy accounts to ensure members are adhering to the court ordered bankruptcy plan. Coordinates with Legal department to ensure follow up if members are not adhering to plan. Also responsible for monitoring and taking appropriate action on discharged bankruptcies, aiming to mitigate losses for the credit union.Oversees end-to-end claim management of all Insured products assigned to Collections Department including, but not limited to, Total Loss, Guaranteed Asset Protection, Lenders’ Protection, Depreciation Protection Waiver, etc., Manages the relationship with appropriate vendor and/or member, providing all requested and required documentation and timely follow up.Manages interactions within direct dealerships to request and follow-up on refunds of back-end products including service contracts, insurance products and vehicle products working with the VP / Indirect Lending when needed.Answers questions from member, internal staff, and dealers related to products and related claims.Assists in updating process documentation.Assumes responsibility for related duties and special projects as required or assigned.Understand and adhere to company policies and procedures, including all applicable state and federal collection laws and regulations.Performs all other duties as assigned." We need to split into li items. Each sentence ends with a period. Some sentences have no space after period before next capital letter (e.g., "...vision.Demonstrates"). We need to separate them. We'll produce li for each distinct duty. - Qualifications: list items: "High School Diploma or GED.", "Minimum of five years collection experience.", "Ability to complete full analysis of loans to make correct determination on possible repossession, foreclosure, charge off or recovery placement with the goal of mitigating losses and maximizing recoveries for the credit union.", "Working knowledge of legal principles, practices, terminology and research techniques.", "Reports to work punctually, works all scheduled hours, and works overtime as necessitated by business demand.", "Job may require non-traditional workweek with extra hours including evening and/or weekend duties.", "Ability and desire to interact with co-workers to develop positive and effective working relationships in all areas of Credit Union services.", "General knowledge of lien positions & perfections.", "Demonstrated excellence in consulting and advising members via telephone and written communication.", "Interpersonal and persuasive skills necessary to gather data from several sources and to represent the Credit Union in a positive way during periods of stressful member contact.", "Ability to work independently, prioritize assignments, organize work efficiently, and make decisions independent of input from immediate supervisor.", "Ability to handle large volumes of details.", "Accuracy, attention to detail and strategic thinking required.", "Excellent analytical skills.", "Ability to operate related computer applications and office equipment.", "Must be bondable." Also "Reporting Relationship Reports to the Collections Supervisor." and "Supervisory Responsibilities This position is not responsible for the supervision of others." Might be considered qualifications? Could be included but maybe not needed. However they are substantive. We could include them under Qualifications as separate li. But note: "Reporting Relationship Reports to the Collections Supervisor." is a factual statement; we can include. "Supervisory Responsibilities This position is not responsible for the supervision of others." also. We'll include them. - Pay: "Pay range for this hourly position is $38.06 - $44.50/hr with a progressive benefits package." - Benefits: we could include the same sentence? But we already used benefits in Pay. Better to have Benefits section with "progressive benefits package" maybe just that phrase. However we already mentioned benefits in Pay; to avoid duplication, we could keep Pay section only and not Benefits. But the rule: never create Benefits section unless posting actually states them. It does state "progressive benefits package". So we could have Benefits section with that phrase. However Pay section already mentions it; duplication might be okay but maybe better to keep Pay only and not Benefits. However the instruction says "Prefer a few substantive sections over many thin ones." So we could combine Pay and Benefits into one section? But we have headings defined: Pay, Benefits, Schedule. We could have Pay section with the pay range and mention benefits; then