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Recovery Specialist – County Excellence FCU

May 29, 2026
Roselle Park, NJ

Job Title: Recovery Specialist
Location: Roselle Park, NJ
Reports to: Recovery Manager
FLSA: Non-Exempt
Type: Full-Time
Salary: $30–$35/hour (depending on experience)

About County Excellence FCU

For over 90 years, since 1935, County Excellence FCU has offered valuable financial services such as affordable Checking, Savings, and low-cost lending services for our members. While we started off as a Credit Union for teachers, we are now offering our financial services to anyone who lives, works, worships, volunteers, or attends school in Union, Somerset or Hunterdon counties. Family members of County Excellence FCU members may also belong.

Summary

The Recovery Specialist is responsible for preserving the credit union’s assets by controlling delinquent loan accounts, collecting delinquent loan payments and/or recovering collateral. The incumbent will update processes, procedures and member contact information. Offers loan modification solutions and tracks repossessions consistent with delinquency strategies.

Essential Duties & Key Responsibilities

  1. Monitor payments for late and/or delinquency status
  2. Contact members with delinquent loans and/or negative accounts. Determine root cause for delinquency to see if temporary or permanent financial hardship
  3. Process correspondence for collections department
  4. Review and evaluate delinquent accounts, determining appropriate actions to be taken in accordance with Credit Union policies and legal requirements
  5. Perform Skip-Tracing
  6. Handle E.OSCAR Disputes
  7. Utilize appropriate collections methods. Recommend due date extensions, loan consolidation, financial counseling, voluntary and involuntary repossession.
  8. Ensure repossessions are initiated, evaluated, sold and collected on in accordance with established policies, procedures, applicable laws and regulations
  9. Maintain accurate records of collection activity
  10. Process death/disability/gap claims and consumer credit disputes
  11. Work to preserve positive member relationships through effective communication and resolution strategies
  12. Collaborate with external collection agencies and attorneys to optimize recovery efforts
  13. Maintain knowledge of governing consumer lending and collections regulations, compliance and information security issues
  14. Ensure strict adherence to all relevant laws, regulations, and internal policies in the collections process
  15. Partake in compliance and other trainings as directed by management
  16. Other duties and responsibilities as assigned, pertaining to the position

Education & Experience

  1. High School diploma or equivalent
  2. 2-years of related collections experience
  3. NMLS license

Qualifications & Skills

  1. Excellent phone communication and customer service skills
  2. Must possess excellent organizational skills and attention to detail.
  3. Must possess the ability to work well under pressure and be capable of working in a tactful, diplomatic and effective manner with members, all levels of credit union personnel, professionals serving the credit union and external auditors and regulators.
  4. Ability to act with integrity, professionalism, and confidentiality.
  5. Knowledge and adherence to proper telephone and email etiquette.
  6. Responsible for abiding and complying with the policy for compliance with the Bank Secrecy Act and anti-money laundering laws and regulations (BSA/AML) and the policy for compliance with office of foreign assets control laws and regulations (OFAC).

Working Conditions & Physical Demands

The work environment characteristics and physical demands described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  1. Office environment
  2. Must be able to remain in a stationary position 50%-75%
  3. Occasional kneeling, squatting or bending
  4. Must be able to lift up to 15 pounds at times
  5. Needs to occasionally move about inside the office to access file cabinets, office machinery, etc.
  6. Constantly operates a computer and other office productivity machinery, such as calculators, copy machine, printer, etc.
  7. Frequently communicates with customers who have inquiries about our products and services. Must be able to exchange accurate information.

It is the policy of County Excellence Federal Credit Union not to discriminate against any applicant for employment, or any employee because of age, color, sex, disability, national origin, race, religion, or veteran status.

Benefits Offered

We offer a benefits package which includes Health Insurance, Dental Insurance, and Vision Insurance. You will be eligible for these benefits upon completion of your 90-day Introductory period of employment. We also offer basic Life/AD&D Insurance, Short-and Longterm disability insurance, a 401(k) plan and a Pension & Profit-Sharing Plan. The 401(k) plan does not have an employer match, instead the company will add funds into the Pension & Profit-Sharing Plan on your behalf. You will be eligible for both after completing 12 months of employment, and you are fully vested in the Pension & Profit-Sharing Plan after five (5) years of employment.

Interested applicants can send their resume to jobs@countyexfcu.org.

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