Senior Bankruptcy Specialist

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. Minimum pay rate of $31hr.

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 :

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

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

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

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