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American Credit Acceptance Loss Mitigation Specialist-Bankruptcy in Spartanburg, South Carolina

The Loss Migitation Specialist assigned to the Bankruptcy team is responsible for a group of high level risk bankrupt accounts and the application of bankruptcy code requirements to those accounts.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • May be responsible for high level account analysis based on bankruptcy code and general collection law requirement

  • May assign accounts for repossession and/or other outside action based on pre-determined parameters.

  • May negotiate with attorneys and/or debtors where permissible

  • May work directly with court personnel

  • May work directly with attorneys

  • May file appropriate documents/forms directly with court

  • May work or represent department on special projects

  • May perform financial analysis on individual bankruptcy cases

  • May be responsible for identifying bankruptcy trends

  • May be responsible for analysis of portfolio relative to bankruptcy assets

  • Make decisions about acceptance/return of partial payments

  • Use skip trace when needed to find additional customer contact information

  • Handles most complex collections inquiries and issues

  • Follow Bankrupt accounts through the Bankruptcy cycle

  • Other duties as assigned

  • Excellent problem solver, with ability to prioritize

  • High School diploma or GED; or at least 1 year1 of collections experience required

  • Adept at navigating various computer applications

  • Proven ability to multi-task

  • Strong attention to detail

  • Excellent written and verbal communication skills

  • Proven track record of successful collections

  • Advanced knowledge of company products, services, policies, procedures, collections systems, and how to apply this knowledge

Supervisory Responsibility

This position has no supervisory responsibilities.

Work Environment and Physical Demands

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.

Position Type/Expected Hours of Work

This is a Full-Time position. Days and hours of work are primarily Monday through Friday 9:00 AM to 6:00 PM. Occasional weekends may be required.


No travel is expected for this position.

EEO Statement

ACA provides equal employment opportunities (EEO) to all applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws. ACA complies with applicable state and local laws governing non-discrimination in employment in every location in which the company has facilities.

Please note 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.

ID: 2021-2971

External Company Name: American Credit Acceptance

External Company URL:

Street: 961 E Main St