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Repossession Jobs in Illinois (NOW HIRING)

Vibrant Credit Union

Collections Officer

Moline, IL · On-site

$21.28 - $29.80/hr

Provide recommendations for effective charge-off and repossession using supporting evidence * Achieve daily, weekly, and monthly performance benchmarks for the role Requirements: Our Ideal Candidate:

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All JobsRepossession JobsRepossession Jobs in Illinois

Repossession information

See Illinois salary details

$10.7K

$56K

$133.2K

How much do repossession jobs pay per year?

As of Sep 2, 2026, the average yearly pay for repossession in Illinois is $56,018.00, according to ZipRecruiter salary data. Most workers in this role earn between $37,300.00 and $50,400.00 per year, depending on experience, location, and employer.

What is a repossession agent?

A repossession agent, often called a repo agent, is a professional responsible for recovering property—such as vehicles, boats, or other assets—that have been leased or financed but not paid for according to the terms of a loan agreement. When a borrower defaults on their payments, the lender may hire a repossession agent to retrieve the collateral. Repo agents must follow state and federal laws to ensure the process is legal and avoid breaching the peace. They typically work for repossession companies or as independent contractors. The job often involves locating assets, negotiating with owners, and safely transporting the repossessed property.

What are the key skills and qualifications needed to thrive as a repossession agent?

To thrive as a Repossession Agent, you generally need a valid driver's license, knowledge of state repossession laws, and often a high school diploma or equivalent. Familiarity with GPS tracking systems, tow trucks, and recovery management software is typically required. Strong conflict resolution, situational awareness, and effective communication skills help navigate tense situations and ensure safety. These skills are crucial for conducting lawful, efficient repossessions while minimizing risk and maintaining professionalism.

What are some typical challenges faced by repossession agents, and how are they addressed on the job?

Repossession agents often encounter challenges such as dealing with difficult or emotional vehicle owners, locating hard-to-find assets, and working in potentially stressful or confrontational situations. Companies usually provide training on conflict de-escalation, legal compliance, and safety procedures to help agents manage these scenarios. Strong communication skills and teamwork are essential, as agents often coordinate with lenders, law enforcement, and dispatchers to ensure safe and lawful repossessions.

What is the difference between Repossession vs Debt Collector?

AspectRepossessionDebt Collector
Required CredentialsPossibly licensed or certified depending on jurisdictionOften requires collection licenses or certifications
Work EnvironmentFieldwork involving vehicle or asset retrievalOffice-based or fieldwork contacting debtors
Industry UsageFinancial institutions, auto lenders, leasing companiesCreditors, collection agencies, banks
Common Search/ComparisonRepossession vs Debt Collector

Repossession involves retrieving assets like vehicles or property when borrowers default, often requiring specialized licensing. Debt collectors focus on contacting debtors to recover owed money, typically working in collections. While both roles deal with debt recovery, repossession is more asset-focused and field-based, whereas debt collection emphasizes communication and negotiation. Understanding these differences helps job seekers identify the right career path in the debt recovery industry.

How to become a repossession agent?

To become a repossession agent, you typically need a high school diploma or equivalent, a valid driver's license, and some states require a license or certification. Experience in law enforcement, security, or driving can be beneficial, and agents often work independently or for repossession companies, using tools like skip tracing and vehicle tracking devices.

What are the most commonly searched types of Repossession jobs in Illinois?

The most popular types of Repossession jobs in Illinois are:

What are popular job titles related to Repossession jobs in Illinois?

For Repossession jobs in Illinois, the most frequently searched job titles are:

What job categories do people searching Repossession jobs in Illinois look for?

The top searched job categories for Repossession jobs in Illinois are:

What cities in Illinois are hiring for Repossession jobs?

Cities in Illinois with the most Repossession job openings:

Repossession jobs near you
Infographic showing various Repossession job openings in Illinois as of August 2026, with employment types broken down into 100% Full Time. Highlights an 85% In-person, 5% Hybrid, and 10% Remote job distribution, with an average salary of $56,018 per year, or $26.9 per hour.

Collections Officer

Vibrant Credit Union

Moline, IL • On-site

$21.28 - $29.80/hr

Full-time

Re-posted 18 days ago

Job description

Description:

Position Overview: The Collection Officer is responsible for recovering money owed to Vibrant for delinquent loan, visa, and deposit accounts tominimize financial losses caused by delinquent accounts.


What You Will Do:

  •  Communicate with members to resolve delinquency on accounts via phone, email, or letter
  •  Conduct a professional but direct conversation with members that assists in resolving delinquency on accounts
  •  Perform successful account maintenance by gaining member contact, resolving delinquency, and restoring member account access 
  •  Maintain availability for front-line questions while promptly addressing concerns and prioritizing tasks
  •  Leverage skip-tracing tools and techniques to locate and make contact with delinquent members 
  •  Use collection software/system and accurately document accounts in a clear, concise manner
  •  Provide recommendations for effective charge-off and repossession using supporting evidence
  •  Achieve daily, weekly, and monthly performance benchmarks for the role
Requirements:

Our Ideal Candidate:

  •  High school diploma or GED required
  •  Six months’ of financial and service experience preferred
  •  Working knowledge of state and federal regulations (CFPB) that govern collection practices 
  •  Working knowledge of general banking policies and procedures
  •  Working knowledge of collateral protection insurance (CPI)

Reports to

  •  Collections Manager

Environmental and Physical Activity Requirements: This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines. The daily responsibilities of this position constantly require effective talking, hearing, walking, finger dexterity, reaching, stooping, and grasping functions. The position also often requires reaching and lifting (up to 25 pounds). Frequent sitting, standing, and repetitive motion activities are also required. Must be able to read print and computer-based materials and to do so with consistent accuracy. Most of these functions require light physical exertion and are conducted indoors at controlled degrees of temperature.


Other Duties: This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time, with or without notice.

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