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.

The 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.

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

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