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Collections & Recovery Specialist

Customer Service and Call Center

Johnston, Rhode Island

Req. Number: 224650

Full/Part Time: F

Shift: 1st Shift


The Bankruptcy Specialist I ensures that Citizens Bank abides by all state and federal bankruptcy rules/laws.  They ensure that Citizens is not sanctioned by any states or federal organizations for failure to maintain bankruptcy time-frames.

Primary responsibilities include:

  • Answering a high level of incoming calls from customers, insurance companies, title companies and internal departments
  • Taking customer payments, sending payoff letters, letters of guarantee, account research, and other issues as they arise, all while providing a high level of customer service
  • Monitor loans in bankruptcy to ensure the debtor is in compliance with the bankruptcy plan and that Citizens adheres to investor, state, federal, and bankruptcy court guidelines/time frames
  • Prepare and file Proof of Claim (POC) upon receipt of debtor's notification of bankruptcy
  • Preparation includes confirmation of remaining balances on loan account, amount delinquent and due dates to ensure Citizens will receive all funds due through the bankruptcy trustee
  • Review bankruptcy plan and object if necessary
  • Maintain current knowledge of new laws and regulations, state, federal, and investor guidelines to minimize litigation and Citizens Bank losses
  • Handle all bankruptcy related correspondence, phone calls, emails and tasks promptly to avoid any customer complaints
  • File signed reaffirmation agreements with courts electronically
  • Make sure all necessary documents are attached to the reaffirmations to ensure Citizens legal rights to pursue future defaults

The statements herein are intended to describe the general nature and level of work being performed by employees and are not to be construed as an exhaustive list of responsibilities, duties, and skills required of individuals so classified.  Furthermore,  this job description  does not establish a contract for employment and the content is subject to be changed, modified, or deleted at the discretion of Citizens Bank, or the employee may be requested to perform job responsibilities not listed in this job description.


Required Skills/Experience:

  • Minimum 1 year experience in mortgage banking, real estate, or law
  • Effective verbal, written and interpersonal communication
  • Strong PC, word processing, spreadsheet and data entry skills
  • Math aptitude, accuracy; strong proof reading skills, detail oriented

Preferred Skills/Experience:

  • Effective verbal, written and interpersonal communication
  • Strong PC, word processing, spreadsheet and data entry skills 
  • Math aptitude, accuracy; strong proof reading skills, detail oriented

Education, Certifications and/or Other Professional Credentials:

  • High School diploma or equivalent required
  • Associate Degree Preferred

Hours & Work Schedule

Hours per Week:  40

Work Schedule:  Monday through Friday 8-5


We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more.

View Benefits

Awards We've Received


Human Rights Campaign Best Places to Work for LGBTQ Equality


Dave Thomas Foundation Best Adoption-friendly Workplace


Noteworthy Company for Diversity


Military Friendly Employer

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