Recovery Representative II

About the role

We’re always looking for diverse, talented, service-oriented people to join our exceptional team.

Responsibilities

• Resolve 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.
• Charge‑off functions: work charged‑off loans through inbound/out‑bound calls, written and electronic correspondence, and other approved methods; work specialized queues for defaulted repayment plans; set up repayment plans, negotiate settlements, re‑establish membership services, and perform account maintenance; review charged‑off loans for possible collection agency placement; partner with team and management to refer accounts for litigation review; assist with miscellaneous projects and reporting including 1099‑C tax form filings, monthly audits, and collection agency placements.
• Repossession functions: work delinquent vehicle loans through inbound/out‑bound calls, written and electronic correspondence, and other approved methods; work specialized queues for vehicle loans; review accounts to generate Final Demand Letters, Notices of Intent to Sell, and Deficiency Balance letters; review accounts for repossession efforts and assist with reinstatement requirements; handle impounded vehicles, contact tow yards and government agencies, negotiate fees, handle lien objections and disposition paperwork; review, audit, and submit vendor invoices for approval; assist with monthly audits and reports as needed.
• Perform other duties as assigned.
• Comply with regulatory compliance and assigned training requirements (including BSA regulations corresponding to specific job duties).

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

$22.33 - $32.38 per hour

Schedule

40 hours per week