Debt Specialist

Work Location

Jacksonville, Florida, United States of America

40

$22.00 - $27.75 USD
TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience  compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Personal & Commercial Banking

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

• Demonstrates sufficiency in a range of processes, procedures and systems to perform assigned tasks
• Understands how the assigned duties relate to others in the team and how the team integrates with others
• Handles own workload, coordinates tasks and services with others
• Recognizes and solves routine problems that can occur in their own work area without supervisory approval
• Evaluates and selects solutions from established options
• Follows standardized procedures and practices and recommends opportunities to improve processes in their own work area
• Uses communication skills to exchange technical or process information with composure and ensures underlying details are clarified
• Determines reasons for customer delinquencies and uses standard methods and procedures to secure payment;
  Identify reasons why customers can or cannot pay
• Identifies type of loan product involved, including residential mortgages, home equities, indirect loans, mobile homes, lines of credit, unsecured loans, recreational vehicles, overdrafts and others and modify approach accordingly
• Develops familiarity with debt management counseling and information to provide to customers as 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.)

• High School Diploma or GED required
• Ability to develop strong phone skills to effectively work with customers
• Developing negotiation skills to arrive at best overall solutions within established guidelines
• Sales ability to make regular phone calls, present Company in positive way to customers and tactfully but firmly collect payments
• Ability to learn and explain wide variety of consumer loan product details
• Writing ability to clearly document calls
• PC skills sufficiency

Never: 0%;
Occasional: 1‑33%;
Frequent: 34‑66%;
Continuous: 67‑100%

• Domestic Travel – Occasional
• International Travel – Never
• Performing sedentary work – Continuous
• Performing multiple tasks – Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds – Occasional
• Sitting – Continuous
• Standing – Occasional
• Walking – Occasional
• Moving safely in confined spaces – Occasional
• Lifting/Carrying (under 25 lbs.) – Occasional
• Lifting/Carrying (over 25 lbs.) – Never
• Squatting – Occasional
• Bending – Occasional
• Kneeling – Never
• Crawling – Never
• Climbing – Never
• Reaching overhead – Never
• Reaching forward – Occasional
• Pushing – Never
• Pulling – Never
• Twisting – Never
• Concentrating for long periods of time – Continuous
• Applying common sense to deal with problems involving standardized situations – Continuous
• Reading, writing and comprehending instructions – Continuous
• Adding, subtracting, multiplying and dividing – Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified…