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 over 9.8 million customers with a full range of retail, small business and commercial banking products and services at more than 1,100 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Auto Finance, a division of TD Bank, N.A., offers vehicle financing and dealer commercial services. TD Bank and its subsidiaries also offer customized private banking and wealth management services through TD Wealth®. TD Bank is headquartered in Cherry Hill, N.J.

We offer a competitive salary and benefit program, including: comprehensive, affordable health care through medical, dental, and vision coverage; financial security with life and disability insurance; opportunities to save using health savings and flexible spending accounts; retirement benefits to help prepare for the future; paid time off and work/life benefits to maintain a good balance.

Must live a commutable distance from Jacksonville, FL or West Falmouth, ME.

Debt Specialist IV minimizes pre- and post-term losses or maximizes recoveries through resolution of insurance issues, redemption matters, contract concerns, asset recovery, and bankruptcy matters.

Depth & Scope

Requires specialized expertise and performs multiple and/or diverse tasks that are highly complex
Requires a comprehensive understanding of a range of product and services, processes, procedures, systems and concepts within their own area of specialty
Resolves problems and identifies the most appropriate solution
Implements procedures and approaches to complete work
Requires tact to exchange ideas and information in a concise and logical way; role models handling of sensitive information and resolution of exceptions
Adheres to established quality standards for all work performed
Proven knowledge and experience in effective repossession, redemption, and remarketing regulations, techniques and practices
Detailed knowledge of loan agreements and security agreements
Knowledge of specific regulations in various states in which Company does business
May handle any type of repossessed collateral
Leverages strong negotiation, influence, and persuasion skills coupled with a strong knowledge of the full array of collection/recovery methods and systems
Maintains a general knowledge of collection/recovery industry practices and trends to recover or minimize losses to each account
Adheres to established quality standards for all work performed
Understands and complies with regulatory requirements in all jurisdictions where repossession activities are taking place for portfolio being managed

Education & Experience:

2 year degree or progressive work experience required
3+ years related experience required
Expert at telephonic communication required
Demonstrated excellent skills with full range of loss prevention and loss recovery techniques
Ability to organize, prioritize and manage a large workload for optimum efficiency
Proven discipline to exhaust every available resource to minimize pre- or post-term losses/recoveries
Broad knowledge of collections policies and procedures and other relevant banking operations experience is required
Extensive negotiation and experience to deal with most difficult accounts with customer third party vendors, or TDAF vendors.
Demonstrated attention to detail and the ability to prioritize workload to meet department objectives efficiently
Writing ability to clearly document calls
Proven ability to work cooperatively with peers and managers to bring accounts to favorable resolution while building a positive work environment
PC skills proficiency

Customer Accountabilities:


Understands and supports the Bank's Customer Service Strategy
Considers the impact of decisions on the well-being of TD, its customers and stakeholders
Models quality service delivery at every customer interaction
Works with customers or agents of customers to resolve delinquency of repossessed loans
Delivers on brand promise of Legendary Customer service to all customers
Assists customers of repossessed collateral through the redemption and or remarketing process
Conveys appropriate messages to customers and vendors telephonically and through written correspondence where appropriate
Documents the progress made to each account thoroughly and accurately as it progresses through pre- and post-term processes
Enforces service level agreements with third party vendors; ensures that third party vendors consistently meet quality standards and live up to brand promise by delivering same legendary customer experience.
Evaluates and researches accounts thoroughly, obtaining information from previous collection efforts, public records, vendor reports, databases, and other appropriate sources using this data to determine the best approach to resolve each account.
Shareholder Accountabilities:

Minimizes pre- and post-term losses or maximize recoveries through resolution of insurance issues, redemption matters, contract concerns, asset recovery, and bankruptcy matters working directly with the customers, or third party vendors.
Complies with regulatory requirements in all jurisdictions where repossession activities are taking place for portfolio being managed
Takes action as appropriate to mitigate the banks exposure
Employee/Team Accountabilities:

Engages in advancing and sustaining a unique, inclusive culture that reflects TDs diversity agenda, and creates an extraordinary employee experience
Participates fully as a member of the team and contributes to a positive work environment
Communicates with the team on the status / progress of projects and issues / points of interest
Actively shares information and knowledge and proactively learns from the expertise of others
Prioritizes and completes own workload in order to deliver quality results, meet timelines as assigned, and deliver Legendary Customer Service
Identifies and recommends opportunities to enhance productivity, effectiveness and operational efficiency of the business unit, vendor, and/or team
Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

Domestic Travel: Occasional
International Travel: Never
Performing sedentary work: Continuous
Performing multiple tasks: Continuous
Operating standard office equipment: Continuous
Responding quickly to sounds: Occasional
Sitting: Continuous
Standing: Occasional
Walking: Occasional
Moving safely in confined spaces: Occasional
Lifting/Carrying (under 25 lbs.): Occasional
Lifting/Carrying (over 25 lbs.): Never
Squatting: Occasional
Bending: Occasional
Kneeling: Never
Crawling: Never

• 2 year degree or progressive work experience required
  3+ years related experience required
• 
  Expert at telephonic communication required
• 
  Demonstrated excellent skills with full range of loss prevention and loss recovery techniques
• 
  Ability to organize, prioritize and manage a large workload for optimum efficiency
• 
  Proven discipline to exhaust every available resource to minimize pre- or post-term losses/recoveries
• 
  Broad knowledge of collections policies and procedures and other relevant banking operations experience is required
• 
  Extensive negotiation and experience to deal with most difficult accounts with customer third party vendors, or TDAF vendors
• 
  Demonstrated attention to detail and the ability to prioritize workload to meet department objectives efficiently
• 
  Writing ability to clearly document calls
• 
  Proven ability to work cooperatively with peers and managers to bring accounts to favorable resolution while building a positive work environment
• 
  PC skills proficiency

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.

Banking Operations

Administrative / Clerical / Support

Administrative / Clerical / Support

40

TD Bank AMCB

Full Time

Regular

United States

Florida, Maine

Falmouth (ME), Jacksonville

4600 Touchton Road, Building 200, Suite 400, 70 Gray Road West Falmouth Crossing

Florida

Jacksonville

Maine

Falmouth (ME)

11-Dec-2022