Recovery Representative II

Schoolsfirst-Federal-Credit-Union; Sacramento (CA); On-site; USD 46,000 - 67,000; Full time

Job summary

SchoolsFirst FCU is seeking a Recovery Representative II to resolve delinquency on vehicle loans, working with Members to identify causes and provide personalized repayment options. The role may focus on charge-off or repossession activities and requires strong communication and negotiation skills.

The position includes handling notices, final demand letters, and coordinating with vendors, tow yards, and regulators, while supporting audits and compliance efforts.

Qualifications

• 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.
• Experience with inbound/outbound phone system preferred.
• Intermediate computer and typing skills.
• Basic skip tracing skills.

Responsibilities

• Resolve delinquency on vehicle loans and identify causes of non-payment.
• Assist Members by offering personalized repayment options and setting up plans.
• Handle charge-off and repossession workflows and related notices.
• Prepare Final Demand Letters, Notices of Intent to Sell, and deficiency letters.
• Coordinate with tow yards, government agencies, and vendors; assist with audits and reporting.
• Comply with BSA regulations and related training requirements.

Skills

Conflict resolution

Negotiation

Active listening

Verbal communication

Written communication

Phone system

Skip tracing

Education

High School Diploma or GED

Job description

We’re always looking for diverse, talented, service-oriented people to join our exceptional team.Recovery Representative IIThe pay range for this position is listed below. Our pay ranges are built to allow for candidates with various levels of skill and experience to be considered, as well as for room for growth and tenure achieved in a role over time. Typical new hire salary offers fall within the minimum to midpoint of a pay range for many candidates. Any offer extended to a candidate will be based upon their unique set of knowledge, skills, education, and experience as well as internal equity.Pay Range:$22.33 - $32.38Scheduled Weekly Hours:40What You’ll Be DoingResponsible for resolving delinquency on vehicle loans where timely payments are not being received. Provide direct assistance to our Members by working with them to identify the true cause of non-payment in order to provide personalized options. Position may focus on one or more of the functions described below (Charge-Off or Repossession).Charge-Off FunctionsWork on charged-off loans through inbound/out-bound calls, written and electronic correspondence, and other approved methods.Responsible for working specialized queues for defaulted repayment plans.Work with our Members and 3rd parties to set up repayment plans, negotiate settlements, re-establish Membership services, and perform account maintenance in order to accurately reflect the approved arrangements.Review charged-off loans for possible collection agency placement. Partner with team and management to refer accounts for litigation review.Assist management and team with miscellaneous projects and reporting including 1099-C tax form filings, monthly audits, and collection agency placements.Repossession FunctionsWorks on delinquent vehicle loans through inbound/out-bound calls, written and electronic correspondence, and other approved methods.Responsible for working specialized queues for vehicle loansReviews accounts to generate Final Demand Letters, Notices of Intent to Sell, and Deficiency Balance letters.Reviews accounts for repossession efforts and assists with reinstatement requirementsHandles impounded vehicles and follows up as needed. This includes contacting tow yards and government agencies, negotiating fees, and handling Lien Objections and disposition paperworkReviews, audits, and submits for approval vendor invoicesAssists management and team with monthly audits and reports, as neededAdditional Job FunctionsPerforms other duties as assignedComplies with regulatory compliance and assigned training requirements including but not limited to BSA regulations corresponding to their specific job duties. Failure to do so may result in disciplinary and other employment related actions.QualificationsHigh School Diploma or GED required1-3 years of prior related experience requiredKnowledge, Skills, and AbilitiesPrevious financial institution or credit union experience PreferredKnowledge of FDCPA, TCPA and SCRAExcellent verbal and written skillsConflict resolution and negotiation skillsActive listening skillsExperience with inbound/outbound phone system preferredIntermediate computer and typing skillsBasic skip tracing skillsAdditional Knowledge, Skills, and AbilitiesSchoolsFirst FCU is committed to Diverse, Equitable, and Inclusive HiringAt SchoolsFirst FCU we are dedicated to building and growing a diverse, inclusive, and authentic Dream Team, so if you’re excited about a position or wanting to make a career change but your past experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyway. Many skills are transferrable and you may be just the right candidate for the position, or for other roles we are working on.SchoolsFirst Federal Credit Union is committed to fostering, cultivating, and preserving a culture of diversity and inclusion. SchoolsFirst FCU is an equal opportunity employer and prohibits discrimination against qualified individuals based on their status as protected veterans or individuals with disabilities and prohibits discrimination against all individuals based on their race, color, religion, sex, national origin, age, sexual orientation, gender identity or expression, political affiliation, or genetic information.This organization participates in E-Verify.