Senior Asset Recovery Specialist

We need to output HTML fragment with headings

for sections: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Only include sections that have real specific content. We must not repeat job title as heading. Must not include Job ID etc. Must preserve all substantive info. Remove boilerplate like EEO, etc. Also remove navigation, cookie, legal, duplicated lines, application instructions. We need to parse the posting. Let's extract sections: Overview: "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." That's basically description of role. Could be "About the role". We'll put that in

About the role

with

. Then "GREENSTATE CULTURE:" paragraph about purpose etc. That could also be part of About the role or separate? Probably part of About the role. We'll include it in same paragraph. Then "Pay range for this hourly position is $38.06 - $44.50/hr with a progressive benefits package." That's Pay and Benefits. We need separate sections if content exists. Pay: we have pay range. Benefits: "progressive benefits package" but not detailed. The rule: never create Benefits section unless posting actually states them. It says "progressive benefits package" but no specifics. Is that enough? It's vague but it's stating benefits exist. Might be considered substantive? The instruction: "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 that benefits exist but not details. Might be okay to include Benefits section with that sentence. However they also say "Prefer a few substantive sections over many thin ones." Could combine Pay and Benefits into one? But we have separate headings for Pay and Benefits. Could we put both under Pay? Probably better to have Pay section with the pay range, and Benefits section with "progressive benefits package". That seems acceptable. Responsibilities: large list after "Responsibilities". We'll put that under

Responsibilities

with

• each bullet. Need to capture all duties. The responsibilities paragraph starts with "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 a series of sentences each starting with a verb. We need to split into list items. We'll need to parse each duty. Let's extract responsibilities list: - 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 ensure we don't include boilerplate like "Performs all other duties as assigned." That's okay to keep. Now Qualifications: after "Qualifications". We have: - 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 there is "Reporting Relationship Reports to the Manager Collections." and "Supervisory Responsibilities This position is not responsible for the supervision of others." Those could be part of Qualifications or maybe separate? The headings we have: Requirements, Qualifications, Skills. The posting has "Qualifications". Could treat that as Qualifications. Could also separate "Requirements" maybe same as Qualifications. But we should not create empty sections. We have Qualifications content. Could also have Requirements maybe same as Qualifications? Better to put under Qualifications. Could also have Skills: maybe we can extract skills from qualifications like "Ability to operate related computer applications", "Excellent analytical skills", etc. But we already have them in qualifications. The instruction: Prefer few substantive sections over many thin ones. So we could combine Requirements and Qualifications into one section called Qualifications. Or we could have Requirements (like education, experience) and Qualifications (skills). But we have limited time. Let's follow the posting: they have a "Qualifications" heading. We'll output

  Qualifications

  with list items. We also have "Reporting Relationship Reports to the Manager Collections." and "Supervisory Responsibilities This position is not responsible for the supervision of others." That's metadata; could be placed in a short

  under Qualifications or maybe separate? The instruction: do NOT put Job ID / requisition numbers as headings — fold minor metadata into a short

  or drop it. So we can include a short paragraph for reporting relationship and supervisory responsibilities. We also have "Pay range for this hourly position is $38.06 - $44.50/hr with a progressive benefits package." We'll split into Pay and Benefits. Pay:

  Pay

  $38.06 - $44.50/hr

  Benefits:

  Benefits

  Progressive benefits package.

  Schedule: Not mentioned explicitly. There's mention of "Job may require non-traditional workweek with extra hours including evening and/or weekend duties." That's about schedule. Could we create Schedule section? The posting does not explicitly state schedule but mentions non-traditional workweek etc. That's schedule info. The rule: never create Pay/Schedule/Benefits sections unless the posting actually states them. It does state "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 sentence. Thus we will have sections: About the role, Responsibilities, Qualifications, Pay, Benefits, Schedule. We must not include Requirements or Skills if we don't have separate content. We'll omit them. Now we need to output only HTML fragment, no /, no markdown fences. We'll produce:

  About the role

  ...

  Responsibilities

  • ...
  ...

  Qualifications

  • ...
  ...

  Reports to the Manager Collections. This position is not responsible for the supervision of others.

  Pay

  $38.06 - $44.50/hr

  Benefits

  Progressive benefits package.

  Schedule

  Job may require non-traditional workweek with extra hours including evening and/or weekend duties.

  Now we need to ensure we preserved all substantive information. Did we miss any? Let's double-check. From overview: we captured the description. Did we include "GREENSTATE CULTURE:" paragraph?