Loss Mitigation Spec II

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Ces témoins n’enregistrent pas de renseignements personnels permettant l’identification.**Work Location:**Jacksonville, Floride, États-Unis d'Amérique**Hours:**40**Pay Details:**$24.00 - $33.50 USDTD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.**Line of Business:**Services bancaires personnels et commerciaux**Job Description:**The Loss Mitigation Specialist II performs a variety of activities related to reducing potential losses from problem accounts. Specializes in or leads the activities of one or more of the following areas: Loss Mitigation, Bankruptcy, Probate, and Workout.**Depth & Scope:*** Area (s) assigned are more complex in size* May meet with Customers in person to discuss workout possibilities* Works with Customers or agents of Customers to resolve delinquency and avoid default or adverse action* Assists Customers in processing insurance claims and requests for contractual rebates* May initiate processing and resolution of bankruptcy, foreclosure and workout activities for assigned accounts, focusing on home-ownership counseling activities and negotiating workout solutions and ensuring prompt resolution of legal matters* Coordinates with attorneys, trustees, debtors and others to research estates in bankruptcy, probate or workout in various states to minimize losses and maximize recoveries* Coordinates subsequent asset sales and other collection and recovery activities to secure maximum payback for Company owned property* Reviews accounts for adherence to department policies as well as state and federal laws and regulations. Corrects any deficiencies with appropriate personnel prior to moving forward in process* Completes necessary account documentation, involving inside and outside personnel as needed, and recommends accounts to be reviewed for foreclosure, repossession, charge off, and or litigation* May initiate loss mitigation activities after approval of foreclosure. May coordinate auctions and other collection and recovery activities to secure maximum payback for Company owned property* Recommends negotiated settlements to maximize recovery and minimize losses. Attends property sales and assists in developing and executing bidding strategies* Reviews loan files on bankrupt accounts to determine if fraud is involved. Takes appropriate action dealing with attorneys and trustees to challenge bankruptcy if appropriate* Processes and collects insurance claims and refundable contract premiums including primary insurance, Gap insurance, service contracts, and other source of revenue available on assigned accounts* Analyzes Customers financial situation and recommends appropriate forbearance action* Represents Company at bankruptcy, probate and workout hearings**Education & Experience:*** 2 year degree or equivalent experience* 5+ years related experience required* Proven knowledge and experience in effective collection regulations, techniques and practices* Detailed knowledge of loan agreements and security agreements* Proven ability to understand and apply bankruptcy law, principles and practice related to real estate transactions* Knowledge of real estate investor and insurer guidelines* Knowledge of foreclosure procedures and legal and regulatory guidelines, including mobile homes and agency loans (VA, HUD and others)* Knowledge of legal regulations relating to real estate resale after foreclosure* Good communication skills, both verbal and written* PC skills* Bankruptcy, Probate and Workout* Detailed knowledge of bankruptcy law, including Chapters 13 and 7, probate and/or workout law* Knowledge of bankruptcy legal procedures, including Relief from Stay, property abandonment, Proofs of Claim, conversion of Chapter 13 to 7 and Chapter 13 repayment plans* Knowledge of workout techniques, including short selling and voluntary surrender* Knowledge of specific regulations in various states in which Company does business**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* Climbing – Never* Reaching overhead – Never* Reaching forward – Occasional* Pushing – Never* Pulling – Never* Twisting – Never* Concentrating for long periods of time – Continuous* Applying common sense to deal with problems involving standardized situations – Continuous* Reading, writing and comprehending instructions – Continuous* Adding, subtracting, multiplying and dividing – ContinuousThe above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.**Who We Are:**

TD 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 #J-18808-Ljbffr