Bankruptcy & Charge-Off Specialist

Credit Human Careers•San Antonio, TX

11d•Onsite

About The Position

This role helps protect Credit Human’s financial interests by ensuring bankruptcy and charge-off accounts are handled accurately, timely, and in compliance with required procedures. Through careful processing, research, reporting, and coordination, this position reduces operational risk and supports informed decisions across lending teams.

Requirements

Financial institution experience and a general knowledge of financial institution organization and operations
Basic knowledge and understanding of bankruptcy code and related laws and regulations
Basic knowledge and understanding of consumer and real estate lending
Excellent verbal, written, and interpersonal communication skills
Ability to multi-task, attention to detail, exceptional research skills, and strong problem solving
Self-starter and capable of working independently
Microsoft Word, Excel, Access, PowerPoint, SharePoint
High school diploma or equivalent
Applicants must be currently authorized to work in the United States on a full-time basis.

Nice To Haves

2 years of financial institution experience and a general knowledge of financial institution organization and operations
Strong knowledge of bankruptcy code and related laws and regulations
Completion of at least 1 year of college level coursework

Responsibilities

Manage bankruptcy account activity to ensure petitions, discharges, dismissals, trustee payments, legal notices, and account updates are processed accurately and on time.
Coordinate with attorneys, trustees, lending departments, and internal partners to resolve account issues and protect Credit Human’s interests.
Monitor bankruptcy queues and loan activity to identify delinquency, plan changes, insurance needs, small balances, and required follow-up actions.
Process monthly loan and share charge-offs, balancing, reconciliations, and reports to support accurate financial and operational records.
Research account activity, payment applications, invoices, discrepancies, and member requests to determine appropriate next steps.
Prepare timely status updates, notices, letters, dashboards, and management reports that support compliance and decision-making.
Maintain member information security and compliance with Credit Human policies, procedures, BSA requirements, and applicable regulatory expectations.