Bankruptcy Specialist, Rec Lending Collections

Become an everyday champion — and build a career where your impact fuels financial progress.

Card Works Financial Group is a diversified financial services platform building ethical solutions across credit, lending, and the full customer lifecycle. Through our family of companies, Card Works Financial Group tackles the complex challenges that larger financial institutions leave behind. We’re embedded throughout the credit card ecosystem as a lender, servicer, and merchant acquirer.

• Merrick Bank:
  The bank that builds
• Card Works Servicing:
  One partner, total performance
• Carson Smithfield:
  Resolution with respect

With nearly 40 years of operating history, our track record is solid: disciplined in downturns and built to accelerate in recovery. The Card Works Financial Group companies take precise approach in complex markets, as a top three non-prime focused general purpose card issuer and a top fifteen U.S. merchant acquirer.

Our team tackles the industry’s most complex credit and payment challenges. And we believe that excellent work starts with a team that feels supported, respected, and empowered to grow.

Card Works Servicing, LLC provides end-to end operational servicing functions for credit cards, secured cards, and installment loans. We service consumer and small business loans across the credit spectrum and offers backup servicing and due diligence services to capital providers and trustees.

Founded in 1997, Merrick Bank is an FDIC®-insured financial institution headquartered in South Jordan, Utah, with over $10 billion in assets. A wholly owned subsidiary of Card Works Financial Group, Merrick Bank serves roughly five million card members and more than 100,000 merchant customers, offering credit cards, recreational loans, deposit accounts, merchant services and bank sponsor ships to consumers and businesses.

Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management.

A Bankruptcy Specialist on the Collections team is responsible for monitoring and maintaining all consumer loan accounts under bankruptcy, to ensure accurate coding, proper processing, and compliance with bankruptcy laws according to established guidelines and procedures for special circumstance situations.

Specialists may work in a phone‑based role, handling inbound and outbound bankruptcy calls and ensuring effective communication between internal departments, attorneys, trustees, and customers, or Specialists may work in an off‑phone processing role, working various reports, reviewing bankruptcy documents, and processing correspondence.

The Bankruptcy specialists handle more complex case types, exercise greater independent judgment, and may serve as a resource to peers for process guidance and exception handling.

Assignments may include escalated workflows, exception queues, or specialized bankruptcy processes based on business need and demonstrated proficiency.

• Handles inbound and outbound calls related to consumer loans under bankruptcy, including but not limited to, interactions with internal departments, attorneys, trustees, and customers.
• Provides clear and compliant third‑party communication while following all bankruptcy law guidelines.
• Serves as a point of contact for peer questions related to bankruptcy.

• Reviews and processes the Resurgent Report daily for all newly filed bankruptcy accounts, ensuring accurate categorization and routing.
• Completes assigned workflow queues and complex exception reports.
• Identifies required account actions based on documentation received and updates systems in…