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Open nowPosted 3 days ago

Charge-Off Recovery Representative

PSECU29 open roles

Where
Harrisburg PA
Work mode
On site
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Your applicationOpen nowCharge-Off Recovery RepresentativePSECU · Harrisburg PA

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The clock on this job

Early applications get read.

11.8% of postings close within 7 days. Measured by our own scanner across the market. PSECU postings stay open a median of 36 days.

Share of postings closed within
  1. 2.1%1 day
  2. 4.4%3 days
  3. 11.8%7 days
  4. 18.5%14 days
  5. 35.5%30 days
  6. 45.1%60 days
This job: posted 3 days ago

PSECU median: 36 days open

The posting

Members Achieve More isn't just a tagline for us, it's part of everything we do! We're looking for passionate individuals to join our team to help us maintain that focus every day. Want to work somewhere that's remained strong for 90 years, that encourages you to learn, grow, and pursue your dreams? If yes, then read on...

The Charge-Off Recovery Specialist is responsible for coordinating and managing recovery efforts on charged-off consumer loans and negative share accounts. This role serves as the primary liaison between the Credit Union and third-party collection agencies, legal counsel, and recovery vendors to maximize recovery performance while ensuring compliance with applicable laws, regulations, and Credit Union policies. The Charge-Off Recovery Specialist monitors charged-off account inventories, facilitates legal collection actions, oversees agency placements, analyzes recovery results, and recommends strategies to improve recovery outcomes. The position plays a critical role in maximizing recoveries and supporting PSECU’s commitment to responsible servicing and member-focused recovery solutions.

Schedule: Monday - Friday, 8:00am - 4:00pm. Onsite expectation is 20%; one day a week.

In this position, you will

Recovery Management

  • Coordinate recovery efforts for charged-off consumer loan and negative share portfolios.
  • Review accounts to determine appropriate recovery strategies, including agency placement, legal referral, settlement opportunities, and other recovery actions.
  • Monitor and manage charged-off account inventories to maximize recovery performance and minimize losses.
  • Maintain accurate records of recovery activities and account status updates.

Third-Party Agency Oversight

  • Coordinate placement of charged-off accounts with approved collection agencies and recovery vendors.
  • Serve as the primary point of contact for third-party collection agencies regarding account performance and recovery initiatives.
  • Monitor agency effectiveness through performance metrics, recovery rates, and compliance reviews.
  • Ensure timely account transfers, recalls, and agency assignments based on established procedures.
  • Recommend account placement strategies to optimize recovery results.

Legal Collections Administration

  • Coordinate legal recovery efforts with external attorneys and legal collection vendors.
  • Manage inbound calls from members whose accounts are involved in legal proceedings.
  • Conduct outbound calls to charged-off members and collaborate with third-party vendors to support charge-off activities.
  • Review accounts for potential legal action and prepare documentation required for attorney referrals.
  • Monitor legal collection activities, including judgments, garnishments, writs of execution, and replevins.
  • Respond to requests for account documentation related to legal proceedings.

Reporting and Analysis

  • Analyze recovery trends and portfolio performance to identify opportunities for process improvement.
  • Prepare and maintain recovery reports, vendor performance scorecards, and management summaries.
  • Monitor account inventory aging and recovery outcomes against established goals.
  • Provide recommendations to leadership regarding recovery strategies, vendor utilization, and process enhancements.

Compliance and Risk Management

  • Ensure all recovery activities are conducted in accordance with applicable laws, regulations, and Credit Union policies.
  • Maintain compliance with the Fair Debt Collection Practices Act (FDCPA), bankruptcy laws, consumer protection regulations, and other applicable requirements.

Qualifications:

High School (Required)

Any equivalent combination of experience and education. | Required

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