USA Representative, Bankruptcy (100% Remote)

Santander Bank; Austin (TX); Remote; USD 38,000 - 59,000; Full time

Job summary

Santander Consumer USA Inc. is seeking a Bankruptcy Representative to manage accounts from inception to completion in Austin, TX. You will ensure compliance with Bankruptcy Code and Fair Debt Collection Practices Act while handling document review and communication with local counsel.

Responsibilities include monitoring court dockets, preparing proofs of claim, and maintaining confidentiality with a focus on strong customer service and accurate servicing of bankruptcy accounts.

Qualifications

• High school diploma or GED required.
• Bachelor’s Degree preferred in related field or demonstrated through experience.
• 0+ years Bankruptcy experience preferred.
• Ability to maintain confidentiality at all times.
• Strong verbal and written communication skills.
• Basic knowledge of regulations and collection policies.
• Proficient with Word and Excel; familiarity with collections software.
• Strong customer service and poise under pressure.

Responsibilities

• Review and validate court documents, account data, and referrals to local counsel.
• Perform timely Bankruptcy servicing.
• Monitor court dockets for changes within the bankruptcy case.
• Review trustee websites for compliance with the bankruptcy plan.
• Prepare Proof of Claim documentation for next level review and redaction of servicing documents.
• Escalate risk issues identified to manager.

Skills

Bankruptcy experience

Strong communication

Time management

MS Word

Excel

Customer service

Education

High school diploma or GED

Bachelor's Degree preferred

Tools

Collections software

Job description

It Starts With You

Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference.

If you are interested in exploring the possibilities We Want to Talk to You!

The Difference You Make

The Representative, Bankruptcy is responsible for the handling all Bankruptcy accounts from inception to completion and for following federal, state and district guidelines as well as policies & procedures.

• Reviews and validates court documents, account data, and referrals to local counsel.
• Performs timely Bankruptcy functional servicing.
• Monitors court dockets for changes within the bankruptcy case.
• Reviews trustee websites for compliance with the bankruptcy plan.
• Refers litigation request to SC litigation team to submit accounts to outside counsel.
• Documents all account activity in the system of record.
• Ensures compliance with policies and procedures with the Fair Debt Collection Practices Act and Bankruptcy Code.
• Escalates risk issues identified to manager.
• Prepares Proof of Claim documentation for next level review and redacts servicing documents, including titles and contracts.

What You Bring

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education

• High school diploma, GED: or equivalent work experience - Required
• Bachelor’s Degree: in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Preferred

Qualifications

• 0+ Years Bankruptcy, or equivalent experience. - Preferred.
• Ability to maintain confidentiality at all times.
• Ability to initiate collections process and communicate in an assertive, compassionate, respectful, and successful manner.
• Strong verbal and written communication skills.
• Must have a basic working knowledge of regulations and collection policies and procedures.
• Proficient organizational and time management skills.
• Ability to understand collection laws.
• Computer proficiency, including Microsoft Word skills and Excel, Internet, familiarity with collections software and programs.
• Strong customer service skills.
• Ability to maintain poise under pressure.

Certifications

• No Certifications listed for this job.

It Would Be Nice For You To Have

• Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.

Work Authorization & Sponsorship

Applicants must be legally authorized to work in the United States on a full-time basis without requiring employer sponsorship to commence employment.

What Else You Need To Know

The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.

Base Pay Range

Minimum:
$38,250.00 USD

Maximum:
$59,000.00 USD

We Value Your Impact

Your contribution matters and it’s recognized. You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. We know rewards go beyond numbers. Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future. Santander Benefits - 2026 Santander OnGoing/NH eGuide (foleon.com)

Risk Culture

We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

EEO Statement

At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law.

Working Conditions

Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required.

Employer Rights

This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.