|
As a Senior Bankruptcy Specialist on UNIFY's Collections team, you will lead the management of bankruptcy accounts-reviewing petitions, negotiating reaffirmations, monitoring payment plans, and protecting the credit union through timely, accurate processing and coordination with legal counsel to minimize losses and prevent litigation. This role works onsite at our Las Vegas Ops Center daily M-F, with occasional rotating Saturdays. Key Responsibilities
Review and set up Chapter 7, 11, 12, and 13 filings in our system
Prepare documents like motions, objections, proofs of claim, reaffirmation agreements
Track and maintain case files and ensure compliance with state, federal, and internal guidelines
Testify or coordinate court appearances if needed
Coordinate collateral disposition in collaboration with legal or internal teams
Maintain accurate reporting, monitor trustee payments, and ensure correct credit reporting
Stay current on bankruptcy laws, FDCPA, FCRA, and related policies
Meet SLAs, report risk concerns, and support compliance initiatives
Pitch in to assist other Collections areas when volume allows
What You'll Bring
At least 5 years of creditor-side bankruptcy experience-document review, legal filings, reaffirmations
Strong attention to detail, investigative mindset, independent problem-solving ability
Excellent written and verbal communication skills-comfortable drafting legal correspondence
Proficiency in Microsoft Word, Excel, Outlook; familiarity with Symitar, PACER, Aperture
Ability to multi-task and adapt in a fast-paced team environment
Why You'll Love Working Here At UNIFY, we foster a culture where your efforts and individuality matter and are supported, because your success is integral to the overall success of the team. As a UNIFY team member, you'll enjoy:
A clearly-defined career path, tuition reimbursement, and certified training programs to support your professional development.
A collaborative, engaging workplace.
A mission-driven, nonprofit culture, with a strong foundation of putting members first.
------------------------------------------------------------------- Overview: UNIFY Financial Credit Union is one of the nation's largest 100 credit unions with a reputation for being financially sound and growth-oriented. We're expanding rapidly to meet the needs of a growing member base. At UNIFY, our team members work together to strive toward a common goal, "providing superior service to our members." In doing so, we promote a culture where your ideas matter, your growth matters, and you matter. We encourage all team members to challenge and encourage themselves and their teammates to work smarter and to be more successful Summary: Responsible for minimizing losses, preventing litigation, and completing the bankruptcy process within required timeframes and according to policies and procedures. Responsible for monitoring and updating accounts in all chapters of bankruptcy, ensuring procedural documentation is filed in accordance with state/federal and Credit Union requirements/guidelines. Responsible for complex work assignments relating to bankruptcy matters. Responsibilities:
- Receives and validates new bankruptcy notifications and sets up in the collection system.
- Process all Chapter 7, 11, 12, and 13 bankruptcy proceeding documents.
- Testifies at legal proceeding as needed.
- Performs procedures relating to bankrupt accounts including processing incoming petitions, 341 notices, discharges, proof of claims, non-dischargeable debit review and estate closures.
- Remains current with bankruptcy laws, their interpretation, and the applicable provisions, which best protect the interest of the credit union.
- Negotiates reaffirmations to preserve and safeguard the assets of the credit union from unnecessary losses.
- Maintains current, advanced knowledge of bankruptcy laws, FDCPA, FCRA and policies and procedures, both internal and legal.
- Drafts motions for relief from stay, objections to confirmation, stipulations, nondischargeability complaints, and other pleadings for attorney review.
- Processes all bankruptcy related documentation, either manually or electronically, including, but not limited to, filing of Proof of Claims and Reaffirmation Agreements.
- Directly or through referral, coordinate matters involving the disposition of collateral, including redemptions, repossessions, voluntary surrenders, and foreclosures with appropriate areas. This includes utilizing internal and/or external resources.
- Processes account maintenance for monetary and non-monetary transactions.
- Processes receipt of direct or trustee supplied payments and monitors payment plans on an ongoing basis.
- Coordinates efforts, as applicable, with internal and external legal counsel, management, and other parties.
- Demonstrates professionalism with members, courts, outside consultants, law firms, co-workers, and management.
- Responds to incoming calls from members, attorneys, internal associates, and others, as needed.
- Understanding of credit reporting and ensuring bankrupt loans are reporting correctly.
- Each team member is expected to be aware of risk within their functional area. This includes observing all policies, procedures, laws, regulations, and risk limits specific to their role. Additionally, they should raise and report known or suspected violations to the appropriate Credit Union authority in a timely fashion.
- Ensure that all departmental SLAs are met.
- Complete all required compliance training as assigned.
- Performs other duties as assigned.
- Bankruptcy volume is reviewed throughout the year. When the average allows for assistance in other areas, this position may also assist with other areas in the Collections department.
Qualifications, Experience, Education and Skills:
- Qualifications To perform this job successfully, candidates must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Candidates must be detail oriented and self-driven, with strong investigative, problem solving, and decision-making skills. Candidates must possess a clear sense of ownership to ensure that issues are resolved completely, and demonstrate the ability to be flexible and handle multiple priorities.
- Education and/or Experience A minimum of five years of creditor related bankruptcy experience, including the ability to review and understand bankruptcy petitions, schedules, plans, motions, and related documents, as well as understand the interrelation between obtaining credit and discharge ability in bankruptcy, is required.
- Language Skills To perform this job successfully, candidates must have excellent professional written and verbal communications skills, as well as the ability to read, comprehend, and write instructions, correspondence, procedures, manuals, memos, and pleadings.
- Mathematical Skills To perform this job successfully, candidates must possess the ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.
- Reasoning Ability To perform this job successfully, candidates must be able to apply common sense understanding to carry out detailed written or oral instructions.
- Computer Skills To perform this job successfully, candidates must have intermediate skills in Microsoft Office including MS Word, MS Excel, and MS Outlook, as well as Symitar, PACER, and Aperture.
See the UNIFY Difference! At UNIFY, we believe that each team member is a valued contributor. Through a teamwork approach, we strive to provide a positive and rewarding workplace that helps our team succeed. UNIFY provides a work environment which promotes learning, growth, and the opportunity for team members to challenge themselves. Competitive Compensation and Excellent Benefits Package* Includes: Medical (PPO/HMO), Prescription, Dental (PPO/DMO), Vision, Life, and Short- and Long-Term Disability Insurance
Dependent and Medical Care - Flexible Spending Accounts
Vacation, Sick, Personal and Holiday Pay
401(K) Plan with employer match
Education reimbursement for approved programs
UNIFY banking privileges for you and your family
*All programs subject to review and change An offer of employment is conditioned upon complying with UNIFY's requirements including, but not limited to, signing a consent to conduct a background investigation. UNIFY is proud to be a drug-free, EOE including disability/vets. For more information on UNIFY, visit us at www.unifyfcu.com
|
UNIFY Financial Credit Union
tuition reimbursement, 401(k)
Aug 05, 2025