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Debt Specialist I
TD Bank
Greenville, SC, United States
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Department Overview
Reduce losses by negotiating and collecting payment on delinquent retail, consumer, residential or auto accounts
Job Description
• Demonstrate sufficiency in a range of processes, procedures and systems to perform assigned tasks
• Understand how the assigned duties relate to others in the team and how the team integrates with others
• Handles own workload, coordinate tasks and services with others
• Recognize and solve routine problems that can occur in their own work area without supervisory approval
• Evaluate and select solutions from established options
• Follow standardized procedures and practices and recommend opportunities to improve process in their own work area
• Use communication skills to exchange technical or process information with composure and ensure underlying details are clarified
• Determine reasons for customer delinquencies and use standard methods and procedures to secure payment. Identify reasons why customers can or cannot pay
• Identify 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
• Develop familiarity with debt management counseling and information to provide to customers as necessary
• Suggest changes or modifications to policies and procedures to supervisor based on day-to-day observations and activities
• Serve as entry point for the identification, routing and documentation of all pertinent collection support processes (i.e. modifications, bankruptcy, skip-tracing, etc.)
Job Requirements
Must be eligible for employment under regulatory standards applicable to the position.
• 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
Inclusiveness
At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach her/his potential.