Credit Recovery Investigator at PenAir Credit Union in Pensacola, FL

CREDIT RECOVERY INVESTIGATOR Location: Pensacola, FL, US Company Description Since 1936 PenAir® Credit Union has been the catalyst where community, resources, and impact come together and produce a powerful force for good. We have a unique culture and we’re passionate about it. Grown from the values we hold most dear, three guiding principles shape how we see the people we serve, the community around us, and our role within it. These guiding principles are Respect, Service, and Communerosity® and they’re woven throughout our culture. PenAir is where people and community, resources and expertise align with your values to create real impact. Generational impact through strong financial education and support. We care about the things you care about. As the largest and oldest credit union in Pensacola, Florida, with more than $2.5 billion in assets, our purpose is to enhance the lives of those we serve in the Florida Panhandle, Southern Alabama, and Virginia. Do you have a passion for helping others? Currently, PenAir provides access to 14 convenient locations in Baldwin County, AL and Escambia, Santa Rosa, and Okaloosa Counties in Florida. Join us and become a powerful force for good - after all we live, work, and play here too. Join the team. You’ll fit right in. Take control of your future by mapping out a career at PenAir. Working with us means you can shape your professional experience to suit your dreams. We offer valuable resources that provide you the opportunity to build upon and strengthen your skills. Whether it be a career path in advising our members directly on products and services, guiding them through major purchase decisions on a home or vehicle, or even helping build the technology and processes behind the scenes, there is a place for everyone at Pen Air! Success looks different for everyone. Where will your journey take you?  The PenAir difference. Just like we strive to be a force for good at work, Pen Air works just as hard to supply employees with a total rewards package that includes competitive salaries and meaningful benefits. Holistic Amenities: • Up to $15K available for continuing education • Student Loan Paydown • Adoption Assistance Reimbursement • Wellness Programs • Gym membership reimbursement • Formal Career Development Resources • Financial Wellness Resources • Purchase assistance with computers and fitness equipment. • Benefits Package Highlights: • Generous PTO Plan—20 days for new hires • Paid Maternal & Parental Leave • Competitive Retirement Plan • Competitive medical, dental & vision plans • Company paid Telehealth services. • Company paid Short Term Disability • And more……….! The pay for this role is $27.07-30.46 per hour, depending on experience. About the role: Responsible for identifying, investigating, and resolving high-risk delinquent accounts, while maintaining a strong focus on regulatory compliance, policy and procedures, risk mitigation, and member experience. Facilitates a balanced approach of standard collection duties and advanced skip tracing techniques to locate members, secure payment, and prevent charge-off and repossession. This plays a critical role in protecting the credit union's financial interests. Major Duties and Responsibilities: • Conducts thorough investigations into delinquent, unlocatable, straw purchase, and fraudulent accounts to determine the location and condition of collateral; develops and presents action plans to leadership. • Analyzes account history, financial circumstances, and member interactions to determine appropriate recovery strategies for complex cases; exercises sound judgment in high-pressure situations. • Assess risk exposure and recommends further action as needed, including repossession, legal proceedings, private investigation, or charge-off. • Communicate professionally with members to negotiate repayment plans, loan re-aging, modifications, reinstatements and redemptions of repossessed collateral. • Maintain a strong working relationship with third-party vendors, including repossession agents, private investigators, legal counsel, and leadership. • Prepares detailed reports and performance summaries for management, highlighting recovery trends and outcomes. • Ensure all recovery activities comply with federal and state guidelines, as well as internal policies and procedures. • Performs other job-related duties as assigned. Minimum Qualifications: Experience • Three years to five years of similar or related experience, including preparatory experience.  Education/Certifications/Licenses • A two-year college degree. or completion of a specialized course of study at a business or trade school, or completion of a specialized and extensive in-house training apprenticeship. Interpersonal Skills • Clear communication skills and active listening are key components to effectively manage early-stage accounts. Communications may involve motivating, influencing, educating and/or advising members on the significance of on time payments. Other Skills: • Attention to detail. • Time management skills. • Empathy • Strong negotiation skills. This Job Description is not a complete statement of all duties and responsibilities comprising the position.