Recovery Representative II

SchoolsFirst Federal Credit Union

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

Posted 10/12/2026full-timeTustin • California • United StatesJunior💰 $22 - $32 per hourWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in resolving vehicle loan delinquencies, including negotiation of repayment plans and compliance with regulatory requirements. Proficient in conflict resolution, communication, and account maintenance within financial institutions.

Highest-signal resume keywords

Knowledge Of FDCPAKnowledge Of TCPAKnowledge Of SCRAConflict Resolution SkillsNegotiation Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Account MaintenanceRepayment Plan SetupSkip TracingTax Form FilingAuditingFinal Demand Letter GenerationCollection Agency PlacementReinstatement Requirements ReviewVendor Invoice ReviewRegulatory Compliance

Soft Skills

Excellent Verbal SkillsExcellent Written SkillsActive Listening Skills

Tools & Technologies

Inbound/Outbound Phone SystemComputer SkillsTyping Skills

Certifications & Qualifications

High School DiplomaGED

Industry Keywords

Financial Institution ExperienceCredit Union ExperienceBSA RegulationsE-Verify Compliance

About the role

Key responsibilities & impact

Resolve delinquency on vehicle loans where timely payments are not being received
Provide direct assistance to Members by identifying causes of non-payment and providing personalized options
Work charged-off 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, including contacting tow yards and government agencies, negotiating fees, and processing lien objections and disposition paperwork
Review, audit, and submit vendor invoices for approval
Perform other duties as assigned
Comply with regulatory compliance and assigned training requirements

Requirements

What you’ll need

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
Complies with regulatory compliance and assigned training requirements including BSA regulations corresponding to specific job duties
Must comply with E-Verify requirements