Citizens Bank Collection Recovery Specialist in Johnston, Rhode Island


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.

  • This position will require answering a high level of incoming calls from customers, insurance companies, title companies and internal departments

  • Tasks include 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 that includes exposure to

  • High School diploma or equivalent required

  • 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:

Associate Degree Preferred

Key Success Factors

  • Effective verbal, written and interpersonal communication

  • Strong PC, word processing, spreadsheet and data entry skills

  • Math aptitude, accuracy; strong proof reading skills, detail oriented

Hours & Work Schedule

Hours per Week: 40

Work Schedule: Monday through Friday 8-5

Why Work with Us

At Citizens, you’ll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth.

Equal Employment and Opportunity Employer/Disabled/Veteran

It is the policy of Citizens Bank and Citizens Securities, Inc. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, ethnicity, religion, gender, pregnancy/childbirth, age, national origin, sexual orientation, gender identity or expression, disability or perceived disability, genetic information, citizenship, veteran or military status, marital or domestic partner status, or any other category protected by federal, state and/or local laws.

Equal Opportunity & Affirmative Action Employer Disabled/Veteran

Citizens Bank is a brand name of Citizens Bank, N.A. and each of its respective subsidiaries, and Citizens Bank of Pennsylvania.