Debt Specialist I- US Bankcard (10/5: 10am-7pm Mon-Fri)

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. 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.

Department Overview

Start Date 10/5
*Schedule: Mon-Fri 10am-7pm*

Job Description

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

Job Requirements

  • 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.)


  • Qualifications

    • 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


    • 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.