Bankruptcy & Charge-Off Specialist

Credit Human; San Antonio, Northern (TX, KY); Hybrid; USD 33,000 - 35,000; Full time

Job summary

Credit Human Headquarters in San Antonio, TX is seeking a Bankruptcy & Charge-Off Specialist to protect the organization’s financial interests by processing petitions, discharges, and notices accurately and on time while ensuring compliance with applicable procedures.

You will coordinate with attorneys and lending teams, monitor queues, process monthly charge-offs, and prepare updates and dashboards to support informed decisions and risk management across lending departments.

Qualifications

• Financial institution experience required.
• Basic knowledge of bankruptcy code and related laws and regulations.
• Basic knowledge of consumer and real estate lending.
• 2 years of financial institution experience preferred.

Responsibilities

• Manage bankruptcy account activity to ensure petitions, discharges, dismissals, trustee payments, legal notices, and account updates are processed accurately and on time.
• Coordinate with attorneys, trustees, lending departments, and internal partners to resolve account issues and protect Credit Human’s interests.
• Monitor bankruptcy queues and loan activity to identify delinquency, plan changes, insurance needs, small balances, and required follow-up actions.
• Process monthly loan and share charge-offs, balancing, reconciliations, and reports to support accurate financial and operational records.
• Research account activity, payment applications, invoices, discrepancies, and member requests to determine appropriate next steps.
• Prepare timely status updates, notices, letters, dashboards, and management reports that support compliance and decision-making.
• Maintain member information security and compliance with Credit Human policies, procedures, BSA requirements, and applicable regulatory expectations.

Skills

Communication skills

Written communication

Attention to detail

Research skills

Independent work

Multi-tasking

Education

High school diploma or equivalent

1 year of college coursework

Tools

Microsoft Word

Excel

Access

PowerPoint

SharePoint

Job description

Credit Human Headquarters
San Antonio, TX 78215, USA

Description

Bankruptcy & Charge-Off Specialist

Department: Bankruptcy & Charge-Off

Why This Role Matters

This role helps protect Credit Human’s financial interests by ensuring bankruptcy and charge-off accounts are handled accurately, timely, and in compliance with required procedures. Through careful processing, research, reporting, and coordination, this position reduces operational risk and supports informed decisions across lending teams.

What You’ll Do

• Manage bankruptcy account activity to ensure petitions, discharges, dismissals, trustee payments, legal notices, and account updates are processed accurately and on time.
• Coordinate with attorneys, trustees, lending departments, and internal partners to resolve account issues and protect Credit Human’s interests.
• Monitor bankruptcy queues and loan activity to identify delinquency, plan changes, insurance needs, small balances, and required follow-up actions.
• Process monthly loan and share charge-offs, balancing, reconciliations, and reports to support accurate financial and operational records.
• Research account activity, payment applications, invoices, discrepancies, and member requests to determine appropriate next steps.
• Prepare timely status updates, notices, letters, dashboards, and management reports that support compliance and decision-making.
• Maintain member information security and compliance with Credit Human policies, procedures, BSA requirements, and applicable regulatory expectations.

Why You’ll Love This Role

• You’ll build specialized expertise in bankruptcy and charge-off operations, a critical area of financial services.
• You’ll have meaningful impact by helping reduce risk, protect the organization, and support accurate handling of member accounts.
• You’ll work across multiple lending areas, gaining broad exposure to auto, consumer, commercial, home, manufactured housing, and sustainable home loan processes.
• You’ll collaborate with attorneys, trustees, lending partners, and internal teams, making the work highly connected and visible.
• You’ll be trusted with time-sensitive, detail-oriented work where accuracy, judgment, and follow-through truly matter.

Experience:

Required

Financial institution experience and a general knowledge of financial institution organization and operations

Basic knowledge and understanding of bankruptcy code and related laws and regulations

Basic knowledge and understanding of consumer and real estate lending

Preferred

2 years of financial institution experience and a general knowledge of financial institution organization and operations

Strong knowledge of bankruptcy code and related laws and regulations

Skills & Knowledge:

Required

Excellent verbal, written, and interpersonal communication skills

Ability to multi-task, attention to detail, exceptional research skills, and strong problem solving

Self-starter and capable of working independently

Microsoft Word, Excel, Access, PowerPoint, SharePoint

Education:

Required

• High school diploma or equivalent

Preferred

• Completion of at least 1 year of college level coursework

Schedule: Monday-Friday, 8:30 am-5:30 pm

Paygrade: 1CA

The expected pay range for this position is $23.77–$25.73 hourly.

Credit Human is committed to equitable and transparent compensation practices. Final compensation is determined based on a variety of factors, including experience, skills, qualifications, internal equity, and geographic work location.

This role may also be eligible for:

• Bonus opportunity up to 4%

Employees are eligible for a comprehensive benefits package, including:

Job Location: This position is onsite based in San Antonio, TX

Credit Human conducts employment background checks that may be used for decisions related to employment. Standard checks include NCUA Administrative and Prohibited Orders, ChexSystems, employment verification, criminal history (convictions and outstanding warrants within the past seven years), and degree verification (if applicable). Additional checks may include motor vehicle records, credit checks, or fingerprinting depending on the role.

Applicants must be currently authorized to work in the United States on a full-time basis.

Credit Human is committed to equitable and transparent pay practices. The compensation range listed above represents a good-faith estimate of what we expect to pay for this position at the time of posting. Final compensation will be determined based on experience, qualifications, internal equity, and business needs.

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.