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Repossession Jobs in Houston, TX (NOW HIRING)

LPR Solutions, LLC

camera scan driver

Houston, TX

The driver will visually verify the vin number of the vehicle and notify Repossession Agent. You will work independently within very flexible hours, including 3rd shift and weekends. We are an Equal ...

LPR Solutions, LLC

camera scan driver

Houston, TX · On-site

The driver will visually verify the vin number of the vehicle and notify Repossession Agent. You will work independently within very flexible hours, including 3rd shift and weekends. We are an Equal ...

Austin Bank

Special Assets Manager

Spring, TX · On-site

Review all charged-off, foreclosure, and repossession memos to determine collectability. Prepare and mail collection letters. Negotiate repayment terms with customers on charged-off accounts.

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All JobsRepossession JobsRepossession Jobs in Houston, TX

Repossession information

See Houston, TX salary details

$10.5K

$55.2K

$131.2K

How much do repossession jobs pay per year?

As of Aug 10, 2026, the average yearly pay for repossession in Houston, TX is $55,180.00, according to ZipRecruiter salary data. Most workers in this role earn between $36,700.00 and $49,600.00 per year, depending on experience, location, and employer.

How do I become a repossession agent?

To become a repossession agent, you typically need a high school diploma or equivalent, a valid driver's license, and a clean driving record. Many employers require completion of specialized training or certification in repossession procedures and safety, and some states have licensing requirements for repossession agents.

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 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.

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 are the most commonly searched types of Repossession jobs in Houston, TX? The most popular types of Repossession jobs in Houston, TX are:
What are popular job titles related to Repossession jobs in Houston, TX? For Repossession jobs in Houston, TX, the most frequently searched job titles are:
What job categories do people searching Repossession jobs in Houston, TX look for? The top searched job categories for Repossession jobs in Houston, TX are:
What cities near Houston, TX are hiring for Repossession jobs? Cities near Houston, TX with the most Repossession job openings:
Repossession jobs near you
Infographic showing various Repossession job openings in Houston, TX as of August 2026, with employment types broken down into 91% Full Time, and 9% Contract. Highlights an 91% In-person, and 9% Remote job distribution, with an average salary of $55,180 per year, or $26.5 per hour.

Collection Specialist

Coastal Community Federal Credit Union

Houston, TX • On-site

$16.50 - $22.25/hr

Full-time

Posted 10 days ago

Job description

The Collection Specialist manages delinquent accounts across mortgage, auto, and signature (unsecured consumer) loan portfolios. This role focuses on recovering outstanding balances, negotiating sustainable repayment solutions, and preserving customer relationships while ensuring strict compliance with federal, state, investor, and company requirements.
Requirements
Key Responsibilities
  • Portfolio Management: Monitor and manage a mixed portfolio of delinquent mortgage, auto, and signature loan accounts through all stages of delinquency.
  • Customer Outreach: Initiate timely, documented contact via phone, email, and written correspondence to discuss past-due balances, options, and next steps.
  • Repayment Negotiation: Negotiate and document payment arrangements, loan modifications, forbearance plans, reinstatements, settlements, and other loss-mitigation solutions tailored to loan type.
  • Auto Collections Efforts: Coordinate repossession referrals when appropriate; work with recovery vendors and title services; verify vehicle information and lien status; pursue voluntary surrender or reinstatement options when feasible.
  • Signature Loan Collections Efforts: Apply strategies for unsecured debt recovery including structured payment plans, settlement offers, and skip-tracing to locate borrowers; escalate to legal collections when required.
  • Documentation and System Updates: Maintain accurate, audit-ready records of all collection activity, borrower communications, and account status updates in the servicing system.
  • Compliance and Risk Management: Ensure all collection activities comply with FDCPA, RESPA, state laws, investor servicing requirements, and internal policies; flag and escalate potential legal or regulatory issues.
  • Loss Mitigation Coordination: Collaborate with underwriting, foreclosure, legal, and loss-mitigation teams to evaluate options and implement approved solutions.
  • Skip Tracing and Research: Use internal tools and third-party services to locate borrowers, verify employment and assets, and update contact information.
  • Reporting and Metrics: Produce regular status reports and performance metrics such as cure rates, promise-to-pay adherence, recovery amounts, and days delinquent.
  • Customer Service: Provide clear, professional guidance to borrowers about options and timelines while protecting the company's financial interests.

Qualifications
  • Experience: 2+ years in collections, loan servicing, or related financial recovery roles; experience with mortgage, auto, and unsecured consumer loans strongly preferred.
  • Education: High school diploma or GED required; Associate degree or higher in finance, business, or related field preferred.
  • Technical Skills: Proficiency with loan servicing systems and CRM tools; strong MS Office skills, especially Excel. Experience with skip-trace and repossession vendor platforms is a plus.
  • Regulatory Knowledge: Familiarity with FDCPA, RESPA, state foreclosure and repossession laws, and investor servicing guidelines.
  • Certifications: Relevant certifications in collections, mortgage servicing, or loss mitigation are advantageous.

Skills and Competencies
  • Communication: Clear, persuasive verbal and written communication with borrowers and internal partners.
  • Negotiation: Strong ability to structure repayment plans and settlements that balance borrower capacity and portfolio performance.
  • Attention to Detail: Accurate documentation and careful review of account histories, legal notices, and title/vehicle records.
  • Organization: Ability to manage a high-volume caseload and prioritize tasks to meet deadlines.
  • Problem Solving: Analytical approach to evaluate borrower situations and recommend appropriate actions.
  • Emotional Intelligence: Empathy and professionalism when handling sensitive borrower circumstances.
  • Teamwork: Collaborative approach with legal, underwriting, repossession vendors, and servicing teams.
  • Compliance Mindset: Consistent application of regulatory and investor rules in daily activities.

Working Conditions and Compensation
  • Schedule: Full-time; may require extended hours during peak periods or to meet legal deadlines.
  • Physical Requirements: Primarily office-based work with extended computer use. May require occasional coordination with field vendors.

Equal Opportunity: Employer is an equal opportunity employer committed to diversity and inclusion.

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