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TD Bank TDAF Debt Specialist III - (Asset Skip Level) in Greenville, South Carolina

279606BR

Job Title:

TDAF Debt Specialist III - (Asset Skip Level)

TD Description:

About TD Bank, America's Most Convenient Bank®

TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth®, and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit www.tdbank.com. at http://www.tdbank.com/ Find TD Bank on Facebook at www.facebook.com/TDBank and on Twitter at www.twitter.com/TDBank_US .

TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol "TD". To learn more, visit www.td.com at http://www.td.com/ .

Auto req ID:

279606BR

Country:

United States

Job Requirements:

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 terms are agreed upon

Orders and sends letters and other correspondence to make initial contact or follow up with delinquent customers

Determines reasons for customer delinquencies and uses standard methods and procedures to secure payment

Evaluates customer's capacity to handle the debt

Identifies reasons why customers can or cannot pay

Assists customers in processing insurance claims and requests for contractual rebates

Reviews accounts for adherence to department policies as well as state and federal laws and regulations

Completes necessary account documentation, involving inside and outside personnel as needed, and may recommend accounts to be reviewed for foreclosure, repossession, charge off, and or litigation

Works 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 TD

Supports cost savings opportunities

Successfully completes all required job specific, compliance-related training, as well as understand, utilize and follow compliance/risk and control programs

Complies with internal / external audit and regulatory requirements

Contributes to prompt and comprehensive response to all external audit, regulatory and compliance requests and findings, and maintains appropriate records of action plans

Reminds borrowers of financial obligations and explains implications of debt nonpayment

Takes action as appropriate to mitigate the banks exposure as well as complying with all pertinent department/bank policies and procedures

May initiate loss mitigation activities after approval of foreclosure. May coordinate auctions and other collection and recovery activities to secure maximum payback for Company owned property

May recommend negotiated settlements to maximize recovery and minimize losses. Assist in developing and executing bidding strategies

May 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

Hours:

40

Job Description:

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.)

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 their potential.

If you are a candidate with a disability and need an accommodation to complete the application process, email the 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 application process.

EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.

Province/State:

South Carolina

City:

Greenville

Work Location:

Greenville Campus Building B - 200 Carolina Point Parkway

Business Line:

TD Bank AMCB

Job Category - Primary:

Call Center

Job Category(s):

Call Center

**Province/State (Primary):

South Carolina

City (Primary):

Greenville

Job Family:

Retail / Commercial Operations

Time Type:

Full Time

Employment Type:

Regular

Hours/Availability Detail:

Mon-Fri 8am - 5pm

Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

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