Job Description

Job Location: Temple Headquarters - Temple, TX 76502
Position Type: Full Time
Travel Percentage: Negligible
Job Category: BankingTexell, named one of the BEST credit unions to work for in the nation by American Banker, is seeking a Recovery Specialist to lead our post charge-off recovery efforts within the Collections Department.
This role is ideal for a detail oriented, self directed professional who is comfortable navigating legal processes, negotiating directly with members and attorneys, and representing the Credit Union in small claims court.
As a Recovery Specialist, you will:
- Recover post charge-off balances through direct member and attorney contact, negotiating settlement agreements and structured payment arrangements prior to or in lieu of litigation.
- Identify appropriate cases for judgment filing, screen for bankruptcy, and confirm files contain the documentation necessary to obtain judgments.
- Prepare and file petitions in Justice of the Peace or small claims court, ensure proper service on defendants, and represent the Credit Union at hearings to obtain judgments.
- Obtain and renew Writs of Execution and Abstracts of Judgment as applicable.
- Refer cases exceeding JP jurisdiction or requiring greater legal complexity to outside counsel, subject to management approval, and monitor outside counsel billing for accuracy.
- Respond to bankruptcy filings, prepare reaffirmation agreements and proofs of claim, post bankruptcy payments, and ensure adherence to bankruptcy plans.
- Pursue deficiency balances remaining after an insurance total-loss settlement has been applied and the account has progressed to charge-off.
- Report regularly to management on judgment and recovery pipeline performance, including both oral updates and written reports.
We're looking for someone who has:
- Two to five years of similar or related experience, including time spent in preparatory positions.
- A two-year college degree or completion of a specialized course of study at a business or trade school.
- The confidence to represent the Credit Union in small claims court, including comfort with public speaking.
- Strong negotiation, organizational, and independent work skills.
- The ability to communicate professionally with people across a wide range of backgrounds, including outside attorneys, on matters of some legal complexity.
- Sound judgment and discretion when handling confidential legal and financial matters.
Compensation & Benefits:
- Competitive salary based on experience.
- Comprehensive benefits package including health, dental, vision, 401K with a dollar match up to 6%, tuition reimbursement, paid vacation and sick time.
- Professional development opportunities to grow your expertise in legal recovery and collections.
- A collaborative environment where your work directly protects the Credit Union's assets and supports positive outcomes for members.
Why Join Us:
Texell is a stable, member-focused credit union with strong lending demand and a reputation for innovation. You'll be part of a team that values integrity, sound judgment, and high performance -while giving you the tools and support to grow your career in legal recovery and collections.