Recovery Representative II

• Resolve delinquency on vehicle loans where timely payments are not being received

• Provide direct assistance to Members by identifying causes of non-payment and offering personalized options

• Work charged-off or delinquent vehicle loans through inbound/outbound calls, written and electronic correspondence, and other approved methods

• Work specialized queues for defaulted repayment plans or vehicle loans

• Set up repayment plans, negotiate settlements, re-establish Membership services, and perform account maintenance

• Review charged-off loans for collection agency placement and refer accounts for litigation review

• Assist with 1099-C tax form filings, monthly audits, collection agency placements, and reporting

• 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 by contacting tow yards and government agencies, negotiating fees, and handling Lien Objections and disposition paperwork

• Review, audit, and submit vendor invoices for approval

• Perform other duties as assigned

• High School Diploma or GED required
• 1-3 years of prior related experience required
• Knowledge of FDCPA, TCPA and SCRA
• Excellent verbal and written skills
• Conflict resolution and negotiation skills
• Active listening skills
• Intermediate computer and typing skills
• Basic skip tracing skills
• Previous financial institution or credit union experience preferred
• Experience with inbound/outbound phone system preferred
• Must comply with regulatory compliance and assigned training requirements, including BSA regulations
• Must meet E-Verify employment requirements

Demonstrates expertise in resolving vehicle loan delinquencies through effective communication, negotiation, and conflict resolution. Proficient in regulatory compliance, account maintenance, and financial institution practices.

• Knowledge Of FDCPA
• Knowledge Of TCPA
• Knowledge Of SCRA
• Conflict Resolution Skills
• Negotiation Skills

• Account Maintenance
• Skip Tracing
• Repayment Plan Setup
• Loan Review
• Tax Form Filing
• Auditing
• Final Demand Letter Generation
• Reinstatement Requirements Review
• Vendor Invoice Review
• Collection Agency Placement

• Excellent Verbal Skills
• Excellent Written Skills
• Active Listening Skills

• High School Diploma
• GED

• Regulatory Compliance
• BSA Regulations
• Financial Institution Experience
• Credit Union Experience

• Inbound/Outbound Phone System
• Computer Skills
• Typing Skills