Senior Asset Recovery Specialist

We need to output HTML fragment with headings

for sections that have real content: About the role (maybe from Overview/POSITION SUMMARY?), Responsibilities, Qualifications, Benefits, Pay, Schedule, Skills? The posting includes Pay range and progressive benefits package, location (in office). No explicit schedule. Benefits: progressive benefits package (but not details). Should we include Benefits section? The rule: include a section ONLY when posting has real, specific content for it — never emit heading followed by filler/placeholder text (e.g., "commensurate with experience", "not specified", "N/A", "varies", "TBD") and never create Pay/Schedule/Benefits sections unless posting actually states them. It states "Pay range for this hourly position is $38.06 - 44.50/hr with a progressive benefits package." So we have Pay and Benefits content. So we can include Pay and Benefits sections. Schedule not mentioned, so omit. Skills: Not explicit separate section; qualifications include many skill-like items. Could put under Qualifications or maybe Skills. But we can keep Qualifications heading and include the list. Also maybe "About the role" from POSITION SUMMARY and overview. We'll include About the role (or Overview). Use

for each. We need to remove boilerplate: Job ID, # of Openings, Category, EEO statement, etc. Also remove duplicated lines. We must preserve all substantive information. So include position summary text, responsibilities list (as

• ), qualifications list, pay and benefits. We need to format as HTML fragment only. Let's extract content. Overview/POSITION SUMMARY: "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." Also GREENSTATE CULTURE paragraph: could be part of About the role? It's descriptive but not specific to role. Might be considered boilerplate? It's about company culture; could be included but not required. The instruction: preserve ALL substantive information; do NOT invent or summarize away detail. So we should keep it. However, it's not a section heading; we could include it in About the role paragraph. Responsibilities: big list. We'll capture each bullet as
• . The list starts after "ESSENTIAL DUTIES AND RESPONSIBILITIES:" and includes many items separated by periods. We need to split into sensible list items. Could keep as one big paragraph? Better to split by sentences that start with a verb. But we can just copy the whole block as

  ? The rule: Use

  • for any list of duties/requirements/benefits. So we need to make a list. We'll parse each sentence that ends with a period and starts with a capital letter (or after a line break). We'll approximate. Given the length, we can produce a
    with many
    • items, each being a sentence from the responsibilities block. Qualifications: list after "Qualifications". 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. We'll put each as
    • . Pay: "$38.06 - 44.50/hr". Benefits: "progressive benefits package". We'll put in
      • maybe. We also have location: "This position is an in office position in either North Liberty or Clive, IA." Could be included in About the role or maybe a separate section? Not a standard heading; we could add to About the role paragraph. We must not include headings for sections without real content: Schedule omitted. Now produce HTML:

        About the role

        ...

        Responsibilities

        • ...
        ...

        Qualifications

        • ...
        ...

        Pay

        $38.06 - 44.50/hr

        Benefits

        Progressive benefits package

        We need to ensure no extra whitespace? It's fine. Now craft the About the role paragraph: combine POSITION SUMMARY and GREENSTATE CULTURE and location. POSITION SUMMARY text: "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." Location: "This position is an in office position in either North Liberty or Clive, IA." Combine into paragraph(s). Could be multiple

        but rule: use

        for prose. Could have multiple

        under About the role. That's fine. We'll output:

        About the role

        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.

        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.

        This position is an in office position in either North Liberty or Clive, IA.

        Now responsibilities list: need to extract each sentence. Let's copy the responsibilities block after "ESSENTIAL DUTIES AND RESPONSIBILITIES: Performs essential duties and responsibilities in the following areas which may include but are not limited to those listed and are subject to change." Then list. I'll parse sentences: 1. Adheres to the Credit Union's core values and Service Standards in conducting GreenState's mission and vision. 2. Demonstrates a positive member service (internal and external) focus at all times. 3. Demonstrates teamwork in all interactions with coworkers and in the completion of all duties and responsibilities. 4. Ensures confidentiality of member information. 5. Supports a diverse and inclusive work environment. 6. Reviews daily delinquency, repossession, recovery, deceased and loss mitigation queues. 7. Completes all necessary follow-ups on accounts via telephone, electronic, and written correspondence. 8. Contacts co-makers, co-borrowers and guarantors. 9. 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. 10. Completes all required due diligence and contact attempts on deceased member accounts. 11. Maintains accurate and punctual member records. 12. Documents all communication, collections activity and escalation of accounts. 13. Performs legal, factual, and records research, as well as extensive skip-tracing to locate members and assets. 14. Makes determinations on Cease-and-Desist accounts. 15. Completes loss mitigation reviews, including but not limited to gathering necessary documents and information from members to complete a full analysis. 16. Orders property valuation and title search. 17. Underwrites borrower’s income through review or applicable documentation. 18. Completes all due diligence and follows up with members to get loan modifications agreements signed and closed. 19. Works cooperatively with Collections Supervisor and SVP/Collections & Recoveries on loss mitigation reviews outside of delegated authority. 20. Completes recommendation for charge off or foreclosure to Collections Supervisor including detailed analysis completed for the recommendation. 21. Responsible for preparing required updated monthly reporting on loss mitigation, repossession, recovery and remarketing. 22. Handles all matters regarding asset recovery including, but not limited to, determination of cost effectiveness within delegation of authority. 23. Approval, assignment and monitoring of repossession in a timely manner. 24. Recommendation and coordination of replevin action with our legal department. 25. And recommendation for charge off once assets are recovered and remarketed or efforts have been exhausted. 26. Makes decisions on and possesses the approval authority to negotiate settlements within delegated operational areas and manages post charge-off recovery. 27. Prepares and submits required information for short sale, abandonment, and settlement requests which are outside delegated authority limits. 28. Represents the credit union as a witness in litigation proceedings on externally placed legal accounts, which may require travel. 29. Refers members to financial counseling when necessary. 30. Responsible for communication with vendors. 31. Ensuring up to date information is shared, records are accurately maintained, and vendors are processing requests in a timely manner. 32. Provides coaching and feedback to peers where appropriate to ensure effective handling of delinquent accounts. 33. Assists in new hire training or job shadowing when necessary. 34. Responsible for monitoring Bankruptcy accounts to ensure members are adhering to the court ordered bankruptcy plan. 35. Coordinates with Legal department to ensure follow up if members are not adhering to plan. 36. Also responsible for monitoring and taking appropriate action on discharged bankruptcies, aiming to mitigate losses for the credit union. 37. 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. 38. Manages the