Recovery Representative II

About the role

We’re always looking for diverse, talented, service-oriented people to join our exceptional team. Recovery Representative II is responsible for resolving delinquency on vehicle loans where timely payments are not being received, providing direct assistance to members to identify the cause of non‑payment and offer personalized options, with a focus on either charge‑off or repossession functions.

Responsibilities

• Responsible for resolving delinquency on vehicle loans where timely payments are not being received.
• Provide direct assistance to members by working with them to identify the true cause of non‑payment in order to provide personalized options.
• Position may focus on one or more of the functions described below (Charge-Off or Repossession).
• Charge-Off Functions
  • Work on charged-off loans through inbound/out-bound calls, written and electronic correspondence, and other approved methods.
  • Responsible for working specialized queues for defaulted repayment plans.
  • Work with members and third parties to set up repayment plans, negotiate settlements, re-establish membership services, and perform account maintenance to accurately reflect approved arrangements.
  • Review charged-off loans for possible collection agency placement.
  • Partner with team and management to refer accounts for litigation review.
  • Assist management and team with miscellaneous projects and reporting including 1099‑C tax form filings, monthly audits, and collection agency placements.
• Repossession Functions
  • Works on delinquent vehicle loans through inbound/out-bound calls, written and electronic correspondence, and other approved methods.
  • Responsible for working specialized queues for vehicle loans.
  • Reviews accounts to generate Final Demand Letters, Notices of Intent to Sell, and Deficiency Balance letters.
  • Reviews accounts for repossession efforts and assists with reinstatement requirements.
  • Handles impounded vehicles and follows up as needed, including contacting tow yards and government agencies, negotiating fees, and handling lien objections and disposition paperwork.
  • Reviews, audits, and submits for approval vendor invoices.
  • Assists management and team with monthly audits and reports, as needed.
• Performs other duties as assigned.
• Complies with regulatory compliance and assigned training requirements including but not limited to BSA regulations corresponding to specific job duties; failure to do so may result in disciplinary and other employment‑related actions.

Qualifications

• High School Diploma or GED required
• 1‑3 years of prior related experience required

Skills

• Previous financial institution or credit union experience preferred
• Knowledge of FDCPA, TCPA and SCRA
• Excellent verbal and written skills
• Conflict resolution and negotiation skills
• Active listening skills
• Experience with inbound/outbound phone system preferred
• Intermediate computer and typing skills
• Basic skip tracing skills

Pay

Pay Range $22.33 - $32.38

Schedule

Scheduled Weekly Hours 40