Debt Specialist III

Position: Debt Specialist III (US)
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* Work Location:

** Jacksonville, Florida, United States of America
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* Hours:

** 40
* * Pay Details:**$23.25 - $30.75 USDTD 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.
** Line of Business:
** Personal & Commercial Banking
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* Job Description:

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

Shift plans - Mon-Fri, 12pm-9pm or 1pm-10pm (EST) ( Jacksonville Only )
** 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.)
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* 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
** Customer Accountabilities:
*** Supports the Bank's Customer Service Strategy
* Contributes to decisions that impact the well-being of TD, its customers and stakeholders
* Provides excellent customer service when dealing with internal partners, vendors or our customers
* Supports quality service delivery at every interaction
* Contributes to the ongoing improvement of the partner/customer experience within the team
* Makes outbound calls via an automated dialer or takes inbound customer phone calls to negotiate payment arrangements
* Collects payments on early delinquent accounts, obtaining commitments from customers late on loan payments according to established procedures
* Coordinates with attorneys, realtors, credit counselors, servicing representatives, and internal Company personnel to facilitate collection activities
* Documents calls, attempted calls and other account-related activities to customers and third parties thoroughly on computer system to maintain current account status. Schedules accounts for follow-up
* Researches customer accounts to resolve payment disputes
* Communicates with other departments as necessary to obtain and verify information
* Follows up with customers to ensure matters are resolved and payment…