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Repossession Specialist

Warren, OH · On-site

$42K - $58K/yr

Responsible for all repossession, pre-auction, auction, post-auction activities/processes, vendor management, collateral recovery including repossession assignment, remarketing/sales/auctions, and ...

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How much do repossession specialist jobs pay per hour?

As of Jun 11, 2026, the average hourly pay for repossession specialist in the United States is $17.99, according to ZipRecruiter salary data. Most workers in this role earn between $14.18 and $19.95 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive in the Repossession Specialist position, and why are they important?

A successful Repossession Specialist typically possesses a valid driver's license, strong knowledge of repossession laws and procedures, and attention to detail, often gained through on-the-job experience or specialized training. Experience with GPS tracking systems, skip tracing software, and secure asset recovery tools is beneficial in this role. Strong communication, problem-solving skills, and the ability to remain calm under pressure distinguish top performers. These competencies are essential for safely, efficiently, and ethically recovering assets while adhering to legal and company guidelines.

What is a Repossession Specialist job?

A Repossession Specialist is responsible for locating, recovering, and securing assets, such as vehicles or equipment, from individuals who have defaulted on their loans. They work with lenders, towing companies, and law enforcement to legally reclaim property while following state and federal regulations. Strong negotiation and investigative skills are essential, as the role often involves skip tracing and direct customer interactions.

What are some common challenges faced by Repossession Specialists on the job?

Repossession Specialists often encounter challenges such as locating vehicles or assets whose owners may have intentionally concealed them, handling potentially confrontational situations, and working in adverse weather or at unconventional hours. These specialists must remain professional and adhere strictly to legal protocols during every recovery to avoid liability issues. Effective communication with team members, law enforcement, and clients is also an important aspect of the role. Adapting quickly to dynamic circumstances and maintaining safety at all times are key to success in this field.

More about Repossession Specialist jobs
What cities are hiring for Repossession Specialist jobs? Cities with the most Repossession Specialist job openings:
What are the most commonly searched types of Repossession Specialist jobs? The most popular types of Repossession Specialist jobs are:
What states have the most Repossession Specialist jobs? States with the most job openings for Repossession Specialist jobs include:
What job categories do people searching Repossession Specialist jobs look for? The top searched job categories for Repossession Specialist jobs are:
Repossession Specialist jobs near you
Infographic showing various Repossession Specialist job openings in the United States as of June 2026, with employment types broken down into 4% Locum Tenens, 3% As Needed, 2% Full Time, 72% Part Time, 3% Temporary, and 16% Contract. Highlights an 90% Physical, 3% Hybrid, and 7% Remote job distribution, with an average salary of $37,412 per year, or $18 per hour.
Repossession Specialist

Repossession Specialist

CommunityAmerica Credit Union

Las Vegas, NV • On-site

Full-time

Posted 11 days ago

CommunityAmerica Credit Union rating

8.5

Company rating: 8.5 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

Job description

Summary
Job Summary
The Repossession Specialist will be responsible for liquidating all repossessed assets of the credit union and monitoring the performance of repo agents and outside vendors to ensure goals are achieved in the most cost-effective manner. This position will review
incoming Tow notifications, act and make recommendations regarding value to proceed with recovery or filing insurance claims. Additionally, handles any known abandonment in the same manner. Assists with working directly with members on workout loans
Department Hours:
  • Monday-Friday 6am PT -6pm PT, Saturdays 6am PT - 2:30pm PT

Open Shift:
  • Monday-Friday from 9am PT - 6pm PT, and Rotating Saturdays from 6am PT - 2:30pm PT

Duties & Responsibilities
Duties and Responsibilities
• Review collateral documentation including application, loan documents, lien, insurance
information and ensures appropriate communication has been sent prior to assignment.
• Works with appropriate department to resolve lien issues preventing the credit union
from securing collateral.
• Submits title requests and ensures titles are received timely to allow sale of collateral.
• Negotiates with Tow companies, Dealerships and others, fees and arrangements for
collateral recovery
• Assign accounts for repossession and/or other outside action.
• Provides repossession agents with additional information to aid in recovery using but
not limited to Deposit account history Collection Advantage, Social Media, Carfax,
WorkNumber and Accurint.
• Prepare documents and letters, including, but not limited to: intent-to-sell and
deficiency letters, repossession affidavits, dealer recourse letters, and repossession title
processing packages.
• Work directly with repossession vendors and auctions to negotiate appropriate
expenses and safe movement of collateral.
• Submits all possible Dealer refunds, ensures refunds are received in a timely manner,
sends for processing.
• Submits partial charge off, full charge off according to Credit Union procedures in a
timely manner
• Responsible for determining collateral value and establishing appropriate sale dates and
floor limits.
• Ensure auctions/sellers are provided negotiable titles.
• Delivers sale proceeds and rebate refunds for processing and ensures posting accuracy.
• Review repossession and sale invoices for accuracy. Submit invoices for payment within
applicable timeframes.
• Prepare reports and analysis related to repossession program effectiveness.
• Advise members of any workout programs they may be eligible for, including the steps
they must take to apply. Process and submit workout program applications for
approval.
• Record and document discussions with members and vendors on the collection system.
• Promotes honest and open communication throughout the credit union.
• Demonstrates courtesy, tact, respect, and an overall genuine interest in the success and
welfare of others.
• Demonstrate behaviors that are consistent with the credit union's values, philosophies,
and leadership characteristics.
• Work with other credit union departments to insure the workflow or process is
providing the best service to the members.
• Other duties as assigned.
Requirements
Education and Experience Requirements:
• High school diploma, or at least 1 year of collection experience required.
• Knowledge of repossession requirements and asset valuation and disposal
experience preferred.
Required Knowledge, Skills and Abilities:
• Thorough knowledge of collection and loss recovery practices and familiarity with
federal and state laws and statutes.
• Ability to work with internal partners to create efficiencies and provide superior
service to our members.
• Knowledge of vehicle/mobile home/boat/recreational/other watercraft appraisal
guides.
• Knowledge of Fair Debt Collection Practices Act, SCRA, TCPA, and FCRA.
• Understanding of the auction and automotive industry.
• Knowledge of repossession and replevin laws by state.
• Familiar with various state titling requirements.
• Knowledge of spreadsheet software and ability to use word processing software.
• Knowledge of Adobe and ability to use software
• Knowledge of credit union services and products.

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