Td Bank Debt Specialist US 

United States, Arizona, Phoenix 

925611362

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

• Demonstrates sufficiency in a range of processes, procedures and systems to perform assigned tasks Understands how the assigned duties relate to others in the team and how the team integrates with others
• Handles own workload, coordinates tasks and services with others
• Recognizes and solves routine problems that can occur in their own work area without supervisory approval
• Evaluates and selects solutions from established options
• Follows standardized procedures and practices and recommends opportunities to improve processes in their own work area
• Uses communication skills to exchange technical or process information with composure and ensures underlying details are clarified
• Determines reasons for customer delinquencies and uses standard methods and procedures to secure payment; Identify reasons why customers can or cannot pay
• Identifies 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
• Develops familiarity with debt management counseling and information to provide to customers as 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.)
• 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