Work Location:

Phoenix, Arizona, United States of America

Hours:

40

Pay Details:

$23.25 - $30.75 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 at TD. Our 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

Job Description:

** Start date will be 9/8** Training will be Monday - Friday 8:00AM-5:00PM (EST) / Monday - Friday 5:00AM-2:00PM (MST) for 5-6 weeks. Once training is complete we will have multiple shift plans, please review those below. The shift plan offerings are on a as needed basis and will be offered based on the needs we have.

Mon-Fri, 11am-8pm (EST) / 8:00am - 5:00pm (MST)Mon-Sat (Wed off), 8am-5pm (EST) / 5:00am-2:00pm (MST)Mon-Fri, 10am-7pm (EST)  / 7:00am-4:00pm (MST)

Preferred candidates should live within 60 miles of Jacksonville, FL or Phoenix AZ.

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

Depth & Scope

Performs multiple and/or diverse tasks that cover a wide range of complexityRequires advanced skills and expertise in a range of products and services, processes, procedures and systems or requires deep skills in a set of focused areasUnderstands how related teams coordinate their efforts and resources to achieve objectives of a unitGathers and analyzes data to identify and solve complex problemsUses sound judgment and understanding of process/policy risk when recommending exceptions outside general practices or guidelinesCommunicates unusual and/or complex content in a clear manner; handle sensitive informationArea(s) assigned are of moderate size and complexity and typically involves last efforts to prevent lossConducts detailed investigative work to find missing borrowers, regularly utilizing skip tracing and other techniquesComplies with all pertinent department/bank policies and proceduresElevates issues that may result in foreclosure or repossession when necessarySuggests changes or modifications to policies and procedures to supervisor based on day-to-day observations and activitiesServes 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 required2+ Years of related experienceDemonstrated strong phone skills to effectively work with customersNegotiation experience with demonstrated positive outcomesSales skills making regular phone calls, presenting Company in positive way to Customers and tactfully but firmly collecting paymentsKnowledge of and ability to explain wide variety of consumer loan productsWriting ability to clearly document callsPC skills sufficiency

Customer Accountabilities:

Supports the Bank's Customer Service StrategyContributes to decisions that impact the well-being of TD, its customers and stakeholdersProvides excellent customer service when dealing with internal partners, vendors or our customersSupports quality service delivery at every interactionContributes to the ongoing improvement of the partner/customer experience within the teamMakes outbound calls via an automated dialer or takes inbound customer phone calls to negotiate payment arrangementsCollects payments on early delinquent accounts, obtaining commitments from customers late on loan payments according to established proceduresCoordinates with attorneys, realtors, credit counselors, servicing representatives, and internal Company personnel to facilitate collection activitiesDocuments 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-upResearches customer accounts to resolve payment disputesCommunicates with other departments as necessary to obtain and verify informationFollows up with customers to ensure matters are resolved and payment terms are agreed uponOrders and sends letters and other correspondence to make initial contact or follow up with delinquent customersDetermines reasons for customer delinquencies and uses standard methods and procedures to secure paymentEvaluates customer's capacity to handle the debtIdentifies reasons why customers can or cannot payAssists customers in processing insurance claims and requests for contractual rebatesReviews accounts for adherence to department policies as well as state and federal laws and regulationsCompletes necessary account documentation, involving inside and outside personnel as needed, and may recommend accounts to be reviewed for foreclosure, repossession, charge off, and or litigationWorks with customers or agents of customers to resolve delinquency and avoid default or adverse action

Shareholder Accountabilities:

Participates in activities to help promote growth and development of the community and help create a positive image for TDSupports cost savings opportunitiesSuccessfully completes all required job specific, compliance-related training, as well as understand, utilize and follow compliance/risk and control programsComplies with internal / external audit and regulatory requirementsContributes to prompt and comprehensive response to all external audit, regulatory and compliance requests and findings, and maintains appropriate records of action plansReminds borrowers of financial obligations and explains implications of debt nonpaymentTakes action as appropriate to mitigate the banks exposure as well as complying with all pertinent department/bank policies and proceduresMay initiate loss mitigation activities after approval of foreclosure. May coordinate auctions and other collection and recovery activities to secure maximum payback for Company owned propertyMay recommend negotiated settlements to maximize recovery and minimize losses. Assist in developing and executing bidding strategiesMay process and collect insurance claims and refundable contract premiums including primary insurance, Gap insurance, service contracts, and other source of revenue available on assigned accounts

Employee/Team Accountabilities:

Be engaged in advancing and sustaining a unique, inclusive culture that reflects TD's diversity agenda, and creates an extraordinary employee experienceParticipates fully as a member of the team and contribute to a positive work environmentCommunicates with the team on the status / progress of projects and issues / points of interestActively shares information and knowledge and proactively learn from the expertise of othersPrioritizes and completes own workload in order to deliver quality results, meet timelines as assigned, and deliver Legendary Customer ServiceContributes to opportunities to enhance productivity, effectiveness and operational efficiency of the business unit, vendor, and/or team

Physical Requirements:

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

Domestic Travel: OccasionalInternational Travel: NeverPerforming sedentary work: ContinuousPerforming multiple tasks: ContinuousOperating standard office equipment: ContinuousResponding quickly to sounds: OccasionalSitting: ContinuousStanding: OccasionalWalking: OccasionalMoving safely in confined spaces: OccasionalLifting/Carrying (under 25 lbs.): OccasionalLifting/Carrying (over 25 lbs.): NeverSquatting: OccasionalBending: OccasionalKneeling: NeverCrawling: NeverClimbing: NeverReaching overhead: NeverReaching forward: OccasionalPushing: NeverPulling: NeverTwisting: NeverConcentrating for long periods of time: ContinuousApplying common sense to deal with problems involving standardized situations: ContinuousReading, writing and comprehending instructions: ContinuousAdding, subtracting, multiplying and dividing: Continuous

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

TD Bank is an equal opportunity employer.  All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.

If you are an applicant with a disability and need accommodations to complete the application process, please email 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 applicant process.