Repossession Specialist

Repossession Specialist UNIFY Financial Credit Union United States, Nevada, Las Vegas May 12, 2026 Repossession Specialist ID 2940 Type Full-Time Summary Job Summary The Repossession Specialist will be responsible for liquidating all repossessed assets of the credit union and monitoring the performance of repo agents and outside vendors to ensure goals are achieved in the most cost-effective manner. This position will review incoming Tow notifications, act and make recommendations regarding value to proceed with recovery or filing insurance claims. Additionally, handles any known abandonment in the same manner. Assists with working directly with members on workout loans

Department Hours:

Monday-Friday 6am PT

• 6pm PT, Saturdays 6am PT
• 2:30pm

PT Open Shift:

Monday-Friday from 9am PT

• 6pm PT, and Rotating Saturdays from 6am PT
• 2:30pm PT Duties & Responsibilities Duties and Responsibilities
• Review collateral documentation including application, loan documents, lien, insurance information and ensures appropriate communication has been sent prior to assignment.
• Works with appropriate department to resolve lien issues preventing the credit union from securing collateral.
• Submits title requests and ensures titles are received timely to allow sale of collateral.
• Negotiates with Tow companies, Dealerships and others, fees and arrangements for collateral recovery
• Assign accounts for repossession and/or other outside action.
• Provides repossession agents with additional information to aid in recovery using but not limited to Deposit account history Collection Advantage, Social Media, Carfax, WorkNumber and Accurint.
• Prepare documents and letters, including, but not limited to: intent-to-sell and deficiency letters, repossession affidavits, dealer recourse letters, and repossession title processing packages.
• Work directly with repossession vendors and auctions to negotiate appropriate expenses and safe movement of collateral.
• Submits all possible Dealer refunds, ensures refunds are received in a timely manner, sends for processing.
• Submits partial charge off, full charge off according to Credit Union procedures in a timely manner
• Responsible for determining collateral value and establishing appropriate sale dates and floor limits.
• Ensure auctions/sellers are provided negotiable titles.
• Delivers sale proceeds and rebate refunds for processing and ensures posting accuracy.
• Review repossession and sale invoices for accuracy. Submit invoices for payment within applicable timeframes.
• Prepare reports and analysis related to repossession program effectiveness.
• Advise members of any workout programs they may be eligible for, including the steps they must take to apply. Process and submit workout program applications for approval.
• Record and document discussions with members and vendors on the collection system.
• Promotes honest and open communication throughout the credit union.
• Demonstrates courtesy, tact, respect, and an overall genuine interest in the success and welfare of others.
• Demonstrate behaviors that are consistent with the credit union's values, philosophies, and leadership characteristics.
• Work with other credit union departments to insure the workflow or process is providing the best service to the members.
• Other duties as assigned.

Requirements Education and Experience Requirements:

• High school diploma, or at least 1 year of collection experience required.
• Knowledge of repossession requirements and asset valuation and disposal experience preferred.

Required Knowledge, Skills and Abilities:

• Thorough knowledge of collection and loss recovery practices and familiarity with federal and state laws and statutes.
• Ability to work with internal partners to create efficiencies and provide superior service to our members.
• Knowledge of vehicle/mobile home/boat/recreational/other watercraft appraisal guides.
• Knowledge of Fair Debt Collection Practices Act, SCRA, TCPA, and FCRA.
• Understanding of the auction and automotive industry.
• Knowledge of repossession and replevin laws by state.
• Familiar with various state titling requirements.
• Knowledge of spreadsheet software and ability to use word processing software.
• Knowledge of Adobe and ability to use software
• Knowledge of credit union services and products.