433208BRJob Title:Debt Specialist IIICompany Overview:Our ValuesAt TD, we're guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and behaviors. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career, and be part of our caring and inclusive culture.Making Your Well-being a PriorityA caring and supportive culture that promotes colleague well-being is core to who we are. At TD, we focus on total well-being with extensive programs to help colleagues assess, manage, and improve their well-being across four core pillars — physical, financial, social and mental/emotional. In addition, we champion a safe and inclusive work environment, so colleagues feel a sense of belonging and feel supported in their personal and professional growth. Through our focus on well-being, we know that we can help our colleagues thrive, contribute to our culture of care, and support better business outcomes, because when colleagues feel their best, they're more likely to do their best.Our Total Rewards PackageOur 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.How We WorkAt TD, we believe in-person connections fuel collaboration and collective creativity. Our workplace experience empowers colleagues to do great work side-by-side at TD locations, while offering flexibility to work remotely where it makes sense for the work and team. Our teams work in one of three workplace models: hybrid, onsite and primarily remote. Wherever our colleagues are working, they’ll always have access to the TD community to experience our culture of care.Who We AreTD 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.Auto req ID:433208BRCountry:United StatesJob Requirements:
Must be eligible for employment under regulatory standards applicable to the position.
Hours:40Job Details:Job Description SummaryDebt Specialist III reduces losses by negotiating and collecting payment on delinquent retail, consumer, residential or auto accounts.
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:Our Commitment to Diversity, Equity, and InclusionAt TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.AccommodationIf you are a candidate with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at [email protected]. Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.How We're Helping Make an Impact in CommunitiesTD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of $1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities.We look forward to hearing from you!State:ArizonaCity:PhoenixQualifications: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
PREFERRED QUALIFICATIONS: This is a remote position however it is preferred the candidate is based in the Phoenix AZ market.
Work Location:Remote Phoenix (AZ)Business Line:Cards and Merchant SolutionsJob Category - Primary:Call CenterJob Category(s):Call CenterState (Primary):ArizonaCity (Primary):PhoenixTime Type:Full TimeEmployment Type:RegularHours/Availability Detail:Mon- Sat 5:00AM- 2:00PM MST with days off either Tues or Thurs and SunFederal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.