Auto Default Specialist

Salary and Benefits

Starting at $22 per hour. Supplemental pay: referral bonus opportunities.

Schedule:

8‑hour shift, Monday‑Friday, 8:00am–5:00pm. Hybrid schedule, 2–3 days in the Atlanta office or as business needs. Dress: comfortable business casual work environment.

• Medical, Prescription Drug, Dental, Vision
• MDLive / Telemedicine
• 401k plan
• PTO – vacation, holidays, flex days, sick days
• Educational assistance
• Employee Assistance Program
• Long‑term disability
• Wellness program
• Optional and voluntary benefits / marketplace discounts
• Employee vehicle purchase/lease program discount

The Default Services Specialist will ensure that all default servicing activities for Retail and Lease portfolios are handled promptly and in compliance with consumer lending laws and regulations, as well as company policies and procedures. The role involves working closely with internal teams, borrowers, and third‑party vendors to facilitate loss mitigation strategies. Responsibilities include problem solving, analyzing work methods to improve effectiveness, and effective communication with management to achieve departmental and corporate goals.

• Collaborate with Covis or other vendors to maintain the legal letter database and keep Compliance and other departments informed of changes to state requirements.
• Ensure default services letters such as Notice of Intent (NOI), Application of Proceeds (AOP), and Right to Cure (RTC) are accurate, completed timely, and deviations are immediately reported to management.
• Assist in automating processes with Risk Management, Compliance, and Digital teams.
• Support the Specialized Services team and ensure customer satisfaction and adherence to applicable laws.
• Audit and monitor outsourcing vendors, providing dashboard reporting to management.
• Update the Default Services Process/Procedures and maps to reflect changes to law and/or regulations.
• Handle inquiries from Compliance on CFPB, state, and local audit requests.
• Work closely with internal departments—including legal, compliance, and loan servicing teams—to resolve complex default‑related issues.
• Maintain detailed records of all communications and actions taken on each loan file in compliance with company policies and regulatory requirements.
• Support the development of strategies, workflow processes, and process management for Default Services Process Improvement.
• Support and implement reporting mechanisms to keep management apprised of performance levels, developing trends, and workloads.
• Actively participate in meetings with team members and management in developing long‑term and short‑term departmental objectives and goals.
• Stay up to date on internal and external laws and regulations, including unique requirements at the federal and state level for both Lease and Retail portfolios.
• Handle cross‑channel business deliverables as assigned.
• Assist in the development and implementation of best practices for the department.
• Provide reports on internal and external metrics as requested.
• Ensure vendor invoices are reviewed for accuracy, appropriate services performed, and payments processed timely.
• Provide training and assistance to non‑exempt employees on related processes and laws.
• Responsible for ensuring performance objectives are met, complying with corporate policy, and upholding federal and state regulations.
• Other duties may be assigned.

• Experience: Minimum of 2 years of combined experience in at least two of the following areas:
  Customer Service, Legal, Recovery, Repossession, Remarketing, Bankruptcy, or Ancillary Products and Processes (e.g., Total Loss, GAP Insurance, Loan Documentation).
• Education: High School Diploma.
• Skills: Excellent…