Job Description

Intermediate Debt Counsellor

Who Are We?
Total Credit Recovery Limited (TCR) is the largest Canadian-owned receivables management company, servicing most major Canadian credit grantors. TCR is a progressive company with over 400 employees in four offices across the country.


What Will You Do?
We are currently seeking hard working, energetic, professional individuals to work as an Intermediate Debt Counsellor at our Toronto Office (Highway 404 and Sheppard). You will be assisting clients by proposing solutions to address financial objectives such as debt management and other financial goals for a variety of large clients. This involves contacting consumers via the telephone to update accounts, negotiate settlements of loans and credit card balances, process payment, answer consumer inquiries, provide necessary account related information, and to comply with all regulatory and company policies at all times.

If you are someone who thrives in the art of communication, providing debt recovery services, building rapport and enjoy navigating your way through challenges by providing innovative solutions this role would be best suited for you.

In this position you will report to the Collection Manager.

Responsibilities include but are not limited to:

• Contact consumers via the telephone to arrange payments for past due accounts in engaging and professional manner
• Assist clients by proposing solutions to address financial objectives such as, debt management
• Research and evaluate consumer’s financial status, credit and ability to repay the loan
• Complete initial trace work using online tools and account systems
• Follow regulations and guidelines as per provincial, federal legislation and client specific directives.
• Professionally and respectfully negotiate with consumer and explore money sources to determine best possible arrangement
• Complete credit and loan information
• Clearly and concisely document the details of each call
• Counseling customers on credit consequences
• Request statements on delinquent accounts and forward irreconcilable accounts for legal action
• Review and update credit and loan files
• Debt portfolio’s ranges from $500.00 to $3,000.00
• Other duties as assigned

Who Are You?

• Excellent written and verbal communication skills
• Experienced in accounts receivables at various stages of overdue payments, call center or customer service environments is a plus
• Excellent interpersonal skills
• Excellent listening skills
• Excellent negotiation skills
• Strong attention to detail and accuracy
• Able to maintain an objective/non-judgmental position even when speaking with clients about emotional/ difficult situations
• Proficient computer skills
• Ability to work independently and within a team to achieve performance goals
• Be able to work shifts (evening and/or weekend) on a rotating basis

All applicants must be legally entitled to work in Canada and successfully pass a criminal background check.

What We Offer?

• Competitive salary
• Commission, contests and bonus plans
• Paid training
• Limited work from home opportunities are available
• Vacation within the first year
• Great benefits including medical, dental and optical plans
• Friendly and fun work environment
• Opportunities for advancement
• Eligibility for Permanent Residence application under the Federal Skilled Worked Program (National Occupational Classification (NOC) 6235, Class B)

TCR is proud to be an equal opportunity employer. We are committed to offering equal employment opportunities and fostering an inclusive, equitable and accessible environment. We welcome applications from persons representing the diversity of our community. Please notify us if you require accommodation at any time during the recruitment process.
For more on this and other employment opportunities at TCR please visit our website.