Debt Specialist III (US)

Negotiate and collect payments on delinquent retail, consumer, residential or auto accounts.,Perform multiple and/or diverse tasks that cover a wide range of complexity.,Gather and analyze data to identify and solve complex problems.,Use sound judgment and understanding of process/policy risk when recommending exceptions.,Communicate unusual and/or complex content in a clear manner; handle sensitive information.,Conduct detailed investigative work to find missing borrowers, utilizing skip tracing and other techniques.,Comply with all pertinent department/bank policies and procedures.,Elevate issues that may result in foreclosure or repossession when necessary.,Suggest changes or modifications to policies and procedures to supervisor.,Serve as entry point for the identification, routing and documentation of all pertinent collection support processes.,Support the Bank's Customer Service Strategy.,Contribute to decisions that impact the well-being of TD, its customers and stakeholders.,Provide excellent customer service when dealing with internal partners, vendors or our customers.,Contribute to the ongoing improvement of the partner/customer experience within the team.,Make outbound calls via an automated dialer or take inbound customer phone calls to negotiate payment arrangements.,Collect payments on early delinquent accounts, obtaining commitments from customers late on loan payments.,Coordinate with attorneys, realtors, credit counselors, servicing representatives, and internal Company personnel.,Document calls, attempted calls and other account-related activities thoroughly on computer system.,Research customer accounts to resolve payment disputes.,Communicate with other departments as necessary to obtain and verify information.,Follow up with customers to ensure matters are resolved and payment terms are agreed upon.,Order and send letters and other correspondence to make initial contact or follow up with delinquent customers.,Determine reasons for customer delinquencies and use standard methods and procedures to secure payment.,Evaluate customer's capacity to handle the debt.,Identify reasons why customers can or cannot pay.,Assist customers in processing insurance claims and requests for contractual rebates.,Review accounts for adherence to department policies as well as state and federal laws and regulations.,Complete necessary account documentation, and may recommend accounts to be reviewed for foreclosure, repossession, charge off, and or litigation.,Work with customers or agents of customers to resolve delinquency and avoid default or adverse action.,Remind borrowers of financial obligations and explain implications of debt nonpayment.,Take action as appropriate to mitigate the banks exposure as well as complying with all pertinent department/bank policies and procedures.

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

High School Diploma or GED

Occasional Domestic Travel