Recovery Specialist

Publix Employees Federal Credit Union (PEFCU) was established over 60 years ago to provide financial services with lifetime value to Publix Super Markets, Inc. employees and their families.

• Medical, Dental and Vision insurance plans with one option at NO cost for employee only coverage!
• Generous Paid Time Off program (approximately 3 weeks a year)
• 11 paid holidays per year
• 401(k) retirement plan and profit sharing
• Pay for performance incentive programs
• Time off for giving back to your community!
• And much, much more!!!

We are committed to improvement, driven by feedback, and focused on organizational growth. We expect and demonstrate our values (Integrity, Collaboration, Service, Inclusion and Ownership) every day, creating an environment where all associates can add value and feel valued.

Find your value here as a…

Recovery Specialist

The Recovery Specialist is responsible for the recovery efforts on charged off loans and share accounts. This role involves proactive member contact, accurate documentation, skip tracing, and processing claims to achieve full repayment or reach equitable settlement agreements. The ideal candidate will bring strong analytical skills, sound judgment, and a commitment to delivering member-focused solutions. This is a hybrid role in Lakeland, Florida working in office 2-3 days per week.

What you will do…

• Work independently with full autonomous authority to settle accounts for less than what is owed to the credit union or establish repayment arrangements
• Manage multimillion-dollar portfolio of charged off debts owed to the credit union aiming for full recovery or satisfactory settlements
• Conduct detailed research to identify additional borrowers’ assets to use to recover the debts
• Conduct deep skip tracing to locate unresponsive members and assets
• Contact members, attorneys, and court representatives to settle charged off loans and shares via various communication channels
• Process legal filings for litigation, ensuring timely action to avoid statute limitations to maximize recovery
• Travel to, appear, and represent the credit union at court hearings in a professional manner
• Document all reasoning and decisions regarding members  repayment plan arrangements, reasons for charge-offs, and any alternative payment options offered to members
• Monitors delinquency and charge-off trends to understand trending activity and proactively arrange the best payment options for members in hardship, special circumstances, etc.
• Provides detailed reporting to leadership on recovery activity and payment tracking
• Maintains professional and technical knowledge by attending educational workshops and webinars, reviewing professional publications, and establishing professional networks
• Meets regularly with Member Resolutions Manager or Assistant Manager to review recovery results and to provide recommendations on complicated or difficult accounts
• Cross trains in other areas of the department
• Perform additional duties and support special projects as assigned by management

What you need…

• 5 - 7 years of collection experience with significant experience in making decisions and working independently (preferably within a credit union)
• 1 – 2 years handling small claims
• Associate s or Bachelor’s Degree preferred
• Broad knowledge of collections specific State and Federal regulations affecting credit unions
• Broad knowledge of typical collections operations and procedures
• Ability to communicate effectively with all staff levels, both orally and in writing, and legal representatives
• Ability to establish and maintain effective working relationships
• Ability to make independent decisions with limited information and analyze accounts and account relationships to assess payment options
• Experience and comfortability with negotiating with delinquent members in high stress and emotional conversations
• Ability to proficiently use Microsoft Office suite products and collections case management software, such as Akuvo
• Advanced skills interpreting and delivering effective communications, reports
• Experience transforming data into meaningful information and reports that provide valuable insights
• Ability to travel frequently to court
• Demonstrated ability to multi-task, work independently, and work under time constraints while remaining organized

What’s in it for you…

• Competitive pay
• Pay for performance incentive program
• Medical, Dental and Vision insurance plans with one option at NO cost for employee only coverage!
• Work/life balance

Apply now!

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Equal Opportunity Employer
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