First Help Financial

• Identify the best-known address to locate the client’s collateral or customer • Determine if the customer holds special status such as Bankruptcy, Active-Duty Military, and others • Generate successful leads and contacts for Recovery Agents by utilizing all available sources • Communicate frequently with Recovery Agents via phone, email, and recovery systems • Confirm FHF’s Lien holder status of pursued collateral • Review and analyze credit applications and in-house documents to help determine location • Assign or Reassign repossession orders after validating correct address/place of employment or other helpful leads • Use independent judgment and discretion to ensure compliance with all state and federal codes, regulations, and laws that pertain to the position • Report on independently identified trends in recovery data to contribute to FHF’s proprietary underwriting model • Places outbound follow up calls to vendors to verify requirements to recover • Stay up to date on current state legislation involving impound requirements and notification guidelines • Comply FHF compliance requests and requirements • Ensure all information/leads provided are being acknowledged and followed up on • Ensure confidentiality of the company’s operations, portfolio, customer information, and computer technology • Some Administrative tasks will be required • Additional duties as assigned by management

Role Description The primary role of the Asset Associate is to successfully assign, track, and coordinate all approved repossessions. The Asset Associate will follow First Help Financial’s process for all repossession activities. A successful candidate will have moderate comprehension of repossessions and excellent communication skills. The primary objective of the position is recovery collateral efficiently to mitigate losses. - Identify the best-known address to locate the client’s collateral or customer. - Determine if the customer holds special status such as Bankruptcy, Active-Duty Military, and others. - Generate successful leads and contacts for Recovery Agents by utilizing all available sources. - Communicate frequently with Recovery Agents via phone, email, and recovery systems. - Confirm FHF’s Lien holder status of pursued collateral. - Review and analyze credit applications and in-house documents to help determine location. - Assign or Reassign repossession orders after validating correct address/place of employment or other helpful leads. - Use independent judgment and discretion to ensure compliance with all state and federal codes, regulations, and laws that pertain to the position. - Report on independently identified trends in recovery data to contribute to FHF’s proprietary underwriting model. - Place outbound follow-up calls to vendors to verify requirements to recover. - Stay up to date on current state legislation involving impound requirements and notification guidelines. - Comply with FHF compliance requests and requirements. - Ensure all information/leads provided are being acknowledged and followed up on. - Ensure confidentiality of the company’s operations, portfolio, customer information, and computer technology. - Some Administrative tasks will be required. - Additional duties as assigned by management. Qualifications - Demonstrates historical career stability. - Banking or collections experience. - Mandatory minimum of 1+ years of recent Skip Tracing experience in auto recovery. - Bachelor's degree, preferred and/or equivalent work experience. - Experience in auto finance field. Benefits - Great Perks – We offer generous salaries, competitive health and welfare benefits (medical, dental, vision, LTD/STD, Identity theft, paid parental leave and much more), paid vacation, 401(k) match, tuition reimbursement, social activities, monthly lunches, a robust employee recognition and talent development program to enhance your career with us. - Culture - We are believers in maintaining a healthy work-life balance. While we work hard and care deeply about our customers and partners, we want you to have room for your family, friends, and yourself. - Growth - Company growth provides unprecedented career growth. FHF’s extraordinary year over year growth in revenue and new markets provides opportunity for you to establish and develop your career growth. We engage each employee to build a career plan that benefits everyone and we have a proven record of investing in you. - Diversity and Inclusion - FHF is committed to building a culture that respects and embraces all walks of life, inclusive of gender, race, culture, age, sexual orientation, and other identities. We will make accommodations when interviewing anyone with special needs.

• Validate repossession requests submitted through the assignment dashboard to ensure accuracy and eligibility • Conduct thorough reviews of assignment criteria per the FHF Repossession Manual • Assign qualified repossession agents and oversee tracking, follow-up, and timely collateral recovery • Maintain strong, consistent communication with repossession partners to support efficient operations • Monitor and update all system statuses before and after repossessions to ensure data integrity • Process collateral release requests for agents and auction partners when accounts are reinstated • Perform hold and closure reviews of all repossession cases to ensure compliance and completeness • Adhere to all FHF compliance guidelines, policies, and regulatory requirements • Complete general administrative tasks as needed to support departmental workflow • Execute additional projects or assume additional responsibilities as assigned by management

• Own all legal and compliance gates, including eligibility for legal escalation. • Design and own the qualification criteria that determine which accounts with a balance are eligible for legal escalation. • Monitor the legal escalation pipeline to confirm the right accounts are being worked accurately. • Review and approve all settlement letter content before any mail is sent. • Complete FDCPA and UDAAP review of consumer-facing components before launch. • Build and maintain a state-by-state legal viability map for deficiency collections. • Vet all third-party collection agencies before any account is placed. • Write and maintain all policies and procedures for the post charge-off collections program. • Hire and develop direct reports as program volume increases.

Role Description The Manager, Legal and Deficiency Recovery owns all legal and compliance gates, including eligibility for legal escalation, consumer contact standards, vendor oversight, and outside counsel management. This is a build role creating a structured post charge-off recovery program from scratch, turning currently uncollected balances into meaningful returns. This is not a practicing attorney role; external counsel handles legal action. This role leads the compliance framework, ensures all consumer interactions are legally sound, and builds the program with speed and autonomy. What you will do: - Post Charge-Off Recovery Program - Design and own the qualification criteria for legal escalation of accounts with a defiance balance. - Maintain the controlled file and validate routing through periodic audits. - Monitor the legal escalation pipeline and maintain the compliance log. - Review and approve all settlement letter content for compliance with FDCPA and state laws. - Review and approve deficiency collection contact scripts and settlement authority structures. - Own legal and compliance reporting within the collections KPI package. - Prepare quarterly Board updates on the post charge-off program. - Regulatory and Compliance - Complete FDCPA and UDAAP reviews of consumer-facing components. - Build and maintain a state-by-state legal viability map for deficiency collections. - Ensure deficiency collection approaches are anchored to loan attributes. - Manage bankruptcy filings across the portfolio. - Ensure SCRA compliance for servicemember accounts. - Coordinate responses with compliance on CFPB inquiries and consumer complaints. - Build and deliver compliance training for post charge-off staff. - Vendor and Outside Counsel Oversight - Vet all third-party collection agencies before account placement. - Own the ongoing agency compliance program and conduct regular call audits. - Oversee third-party BPO partners working post charge-off accounts. - Lead outside counsel evaluation and selection for the legal escalation pipeline. - Review vendor contracts before execution. - Policy, Process, and Cross-Functional Work - Write and maintain all policies and procedures for the post charge-off collections program. - Manage active collections-related litigation in coordination with outside counsel. - Identify process gaps that create legal exposure or leave recovery on the table. - Serve as the legal and compliance resource for daily questions from collection agents. - Hire and develop direct reports as program volume increases. Qualifications - 5 or more years of experience in legal operations, compliance management, or collections oversight within consumer lending, auto finance, or a third-party collection agency. - Demonstrated historical career stability. - Experience in non-prime or subprime auto lending. - Working knowledge of FDCPA, UDAAP, and applicable state consumer protection laws. - Experience managing bankruptcy filings and handling SCRA compliance. - Has managed outside counsel relationships. - Has worked in or alongside a deficiency recovery operation. - Able to read and interpret collections performance data. - Bachelor's degree required; JD, paralegal certification, or CRCM preferred but not required. Strongly Preferred - Has designed, built, or led a post charge-off deficiency recovery program. - Has managed legal collections activity across multiple states. - Has built or administered an agency compliance monitoring program. - Background at a non-prime auto lender or servicer. Benefits - Generous salaries and competitive health and welfare benefits (medical, dental, vision, LTD/STD, Identity theft, paid parental leave, and more). - Paid vacation and 401(k) match. - Tuition reimbursement and social activities. - Monthly lunches and a robust employee recognition and talent development program.

• Identify gaps, score and rank compliance obligations by likelihood and severity, and maintain a living risk register. • Control design: build and maintain controls that translate compliance requirements into day-to-day business practices. • Draft, maintain, and disseminate policies and procedures, ensuring the inventory stays current and properly version-controlled. • Run a structured, risk-based monitoring and testing program, including a defined testing calendar and methodology. • Log findings from testing, audits, exams, and self-identification; assign root cause; and drive remediation to closure against defined timelines. • Coordinate regulatory examinations under the VP of Compliance's sponsorship, including document requests, scheduling, and examiner communication logistics. • Build and maintain KPI dashboards and prepare regular compliance reporting on program health, findings, and remediation status for the VP of Compliance, executive leadership, and the board. • Directly lead assigned compliance staff, with accountability for their performance and development. • Work directly with business, operations, and technology stakeholders to embed compliance requirements into day-to-day processes.

• Own the onboarding training for new hires for all Sales positions • Conduct skills gap analyses to identify areas of improvement for current sales team • Coordinate individual and team performance review sessions to discuss strengths and weaknesses • Collect feedback from trainees and managers about training courses • Report on impact of training programs • Host group training for sales teams • Maintain updated records of training material and curriculum • Develop proficiencies in internal administration systems and processes that support the task of the sales team • Review the training materials regularly and report any needed updates to the Team Lead, ensuring Sales, UW, Compliance and Tech can reference one place for program rules • Collaborate with Sales Ops Associate on the creation of training materials • Conduct post-training reviews, assessments, and surveys to assess the curriculum and training effectiveness

• Follow-up with dealers on all eligible applications after approval. • Negotiate with dealerships to win as many deals as possible with best possible terms for FHF (maximize FHF’s “win-rate” for approved applications). • Assist the dealer as single point of contact for all communication with internal FHF teams. • Monitor dealer behavior to pick up red flags for dealer risk. • Travel required to dealerships based on assigned market needs. • Support Outside Sales team with specific dealer-related initiatives to increase volume. • Support Servicing and Collections team to handle dealer complaints or other conflicts. • Manage the list of open applications to ensure timely follow-ups with dealers. • Overall, manage all aspects of dealer communication across various internal FHF stakeholders to ensure a seamless experience for dealers.

• Record, track, and follow up with insurance and claim-handling companies • Maintain accurate and complete claim records • Investigate reported collision events, including impound, skip tracing, and customer service inquiries. • Collaborate directly with the Loss Mitigation, Insurance, and Ancillary teams. • Prepare requested claim documentation. • Collect all necessary documentation from insurance providers. • Process and file total loss payments. • Manage claim-related documents. • Investigate issues throughout the claim lifecycle. • Assist with lienholder claims as required. • Handle other assigned projects.

Role Description First Help Financial, voted and certified as a “Great Place to Work” by our workforce for five years in a row, is adding a new partner to our Collections department to accommodate our remarkable growth! The Manager, Collections Legal and Recovery Compliance owns all legal and compliance gates, including eligibility for legal escalation, consumer contact standards, vendor oversight, and outside counsel management. This is a build role creating a structured post charge-off recovery program from scratch, turning currently uncollected balances into meaningful returns. This is not a practicing attorney role; external counsel handles legal action. This role leads the compliance framework, ensures all consumer interactions are legally sound, and builds the program with speed and autonomy. What you will do: - Post Charge-Off Recovery Program: - Design and own the qualification criteria for legal escalation. - Maintain the controlled file and validate routing through audits. - Monitor the legal escalation pipeline and maintain the compliance log. - Review and approve all settlement letter content for compliance. - Review and approve deficiency collection contact scripts and settlement authority structure. - Own the legal and compliance reporting within the collections KPI package. - Regulatory and Compliance: - Complete FDCPA and UDAAP reviews of consumer-facing components. - Build and maintain a state-by-state legal viability map for deficiency collections. - Ensure deficiency collection approaches are anchored to loan attributes. - Manage bankruptcy filings across the portfolio. - Ensure SCRA compliance for servicemember accounts. - Coordinate responses with compliance on regulatory inquiries. - Build and deliver compliance training for post charge-off staff. - Vendor and Outside Counsel Oversight: - Vet all third-party collection agencies before account placement. - Own the ongoing agency compliance program and conduct regular audits. - Oversee third-party BPO partners working post charge-off accounts. - Lead outside counsel evaluation and selection for the legal escalation pipeline. - Review vendor contracts before execution. - Policy, Process, and Cross-Functional Work: - Write and maintain all policies and procedures for the post charge-off collections program. - Manage active collections-related litigation in coordination with outside counsel. - Identify process gaps that create legal exposure. - Serve as the legal and compliance resource for daily questions. - Hire and develop direct reports as program volume increases. Qualifications - 5 or more years of experience in legal operations, compliance management, or collections oversight within consumer lending, auto finance, or a third-party collection agency. - Demonstrated historical career stability. - Experience in non-prime or subprime auto lending specifically. - Working knowledge of FDCPA, UDAAP, and applicable state consumer protection laws. - Experience managing bankruptcy filings and handling SCRA compliance. - Has managed outside counsel relationships. - Experience in deficiency recovery operations. - Able to read and interpret collections performance data. - Bachelor's degree required; JD, paralegal certification, or CRCM preferred but not required. Strongly Preferred - Has designed, built, or led a post charge-off deficiency recovery program. - Has managed legal collections activity across multiple states. - Has built or administered an agency compliance monitoring program. - Background at a non-prime auto lender or servicer. Benefits - Generous salaries and competitive health and welfare benefits (medical, dental, vision, LTD/STD, identity theft, paid parental leave, and more). - Paid vacation and 401(k) match. - Tuition reimbursement and social activities. - Monthly lunches and a robust employee recognition and talent development program.