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The differences between at-risk specialists and bankruptcy specialists can be seen in a few details. Each job has different responsibilities and duties. While it typically takes 4-6 years to become an at-risk specialist, becoming a bankruptcy specialist takes usually requires 2-4 years. Additionally, an at-risk specialist has an average salary of $58,801, which is higher than the $35,498 average annual salary of a bankruptcy specialist.
The top three skills for an at-risk specialist include risk management, customer service and operational risk. The most important skills for a bankruptcy specialist are relief, pacer, and foreclosure.
| At-Risk Specialist | Bankruptcy Specialist | |
| Yearly salary | $58,801 | $35,498 |
| Hourly rate | $28.27 | $17.07 |
| Growth rate | 9% | 10% |
| Number of jobs | 14,583 | 4,381 |
| Job satisfaction | - | - |
| Most common degree | Bachelor's Degree, 60% | Bachelor's Degree, 50% |
| Average age | 43 | 46 |
| Years of experience | 6 | 4 |
An at-risk specialist is responsible for identifying risk events that may pose harm to the business reputation and financial stability of an organization. At-risk specialists strategize on plans and techniques to minimize financial loss and excessive costings, developing methods and opportunities that would increase the company's revenues and profits. They resolve insurance discrepancies and manage financial disputes that may have litigation impact on the business. An at-risk specialist reviews financial documents and incident reports, file claims, and process requirements for any fraudulent activities.
The bankruptcy specialist is responsible for filing and documentation loan bankruptcy materials with the appropriate attorneys. They ensure full compliance with loan bankruptcy regulations and monitor accounts throughout the loan bankruptcy process to contact the appropriate party when necessary. A bankruptcy specialist might be an administrator or lawyer in a bankruptcy office and supports bankruptcy law. They are likely to evaluate state declaration and affidavits for legal progression, interact with customers and outside counsel about bankruptcy proceedings through written and verbal communication, and work with local counsel and upper management in effectively reviewing client's files.
At-risk specialists and bankruptcy specialists have different pay scales, as shown below.
| At-Risk Specialist | Bankruptcy Specialist | |
| Average salary | $58,801 | $35,498 |
| Salary range | Between $33,000 And $103,000 | Between $27,000 And $46,000 |
| Highest paying City | Washington, DC | Norfolk, VA |
| Highest paying state | Rhode Island | California |
| Best paying company | PayPal | The PNC Financial Services Group |
| Best paying industry | Finance | Finance |
There are a few differences between an at-risk specialist and a bankruptcy specialist in terms of educational background:
| At-Risk Specialist | Bankruptcy Specialist | |
| Most common degree | Bachelor's Degree, 60% | Bachelor's Degree, 50% |
| Most common major | Business | Business |
| Most common college | University of Pennsylvania | Stanford University |
Here are the differences between at-risk specialists' and bankruptcy specialists' demographics:
| At-Risk Specialist | Bankruptcy Specialist | |
| Average age | 43 | 46 |
| Gender ratio | Male, 43.2% Female, 56.8% | Male, 31.0% Female, 69.0% |
| Race ratio | Black or African American, 8.6% Unknown, 3.9% Hispanic or Latino, 9.6% Asian, 10.0% White, 67.6% American Indian and Alaska Native, 0.3% | Black or African American, 5.7% Unknown, 4.4% Hispanic or Latino, 7.9% Asian, 6.5% White, 75.2% American Indian and Alaska Native, 0.3% |
| LGBT Percentage | 4% | 10% |