Line of Business:
Personal & Commercial Banking
Job Description:

Debt Specialist III reduces losses by negotiating and collecting payment on delinquent retail, consumer, residential or auto accounts.

Class for 11/4/24 & 11/18/24

Shifts:

12pm to 9pm (JAX) EST

10am to 7pm M-F (PHX) MST

10am to 7pm (JAX) EST

8am to 5pm(PHX) MST

Depth & Scope

• Performs multiple and/or diverse tasks that cover a wide range of complexity
• Requires advanced skills and expertise in a range of products and services, processes, procedures and systems or requires deep skills in a set of focused areas
• Understands how related teams coordinate their efforts and resources to achieve objectives of a unit
• Gathers and analyzes data to identify and solve complex problems
• Uses sound judgment and understanding of process/policy risk when recommending exceptions outside general practices or guidelines
• Communicates unusual and/or complex content in a clear manner; handle sensitive information
• Area(s) assigned are of moderate size and complexity and typically involves last efforts to prevent loss
• Conducts detailed investigative work to find missing borrowers, regularly utilizing skip tracing and other techniques
• Complies with all pertinent department/bank policies and procedures
• Elevates issues that may result in foreclosure or repossession when necessary
• Suggests changes or modifications to policies and procedures to supervisor based on day-to-day observations and activities
• Serves as entry point for the identification, routing and documentation of all pertinent collection support processes (i.e. modifications, bankruptcy, skip-tracing, etc.)

Education & Experience:

• High School Diploma or GED required
• 2+ Years of related experience
• Demonstrated strong phone skills to effectively work with customers
• Negotiation experience with demonstrated positive outcomes
• Sales skills making regular phone calls, presenting Company in positive way to Customers and tactfully but firmly collecting payments
• Knowledge of and ability to explain wide variety of consumer loan products
• Writing ability to clearly document calls
• PC skills sufficiency

Who We Are:
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you.

Our Total Rewards Package

Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more

Additional Information:
We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development
If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.

Training & Onboarding
We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.

Interview Process
We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation

If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.