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The Credit Underwriting team reviews, analyses and approves credit applications to support various lines of business. We optimize credit opportunities for our customers by determining, structuring, packaging and authorizing credit facilities while adhering to credit risk policies and established guidelines. Our Credit Underwriters assess the credit status of customers, provide credit administrative and operational support and evaluate their financial portfolio while protecting the interest of the Bank. If you want to be a brand ambassador who can help strive efficiencies for the bank, then join our team and make an impactful contribution to TD and your own success.
Do you love what you do at work? Do you thrive in demanding environment where you get to work and learn different aspects of the work and department? We are looking for a highly skilled professional who has a desire to succeed in a role that will aid the team and employees. As Underwriter II, you will review, analyze and evaluate credit applications, in alignment with policy and procedures, to authorize credit for customers, within designated discretionary lending limits. You will be responsible for collaborating with various business partners by providing professional credit support, solutions, recommendations and advice through the credit adjudication process.
Ensure all credit decisions (approval / decline) within assigned limits are fulfilled on a broad range of credit products efficiently and effectively, meeting service level agreements (SLAs)
Provide credit support / solutions / recommendations / advice / alternative options when evaluating/analyzing credit applications for decisions in accordance with Bank policies and procedures
Ensure customer concerns / issues are handled appropriately and resolved in a timely manner, raise when required
Prioritize and manage own daily workload to meet SLA requirements for service and productivity
Consistently exercise discretion in managing correspondence, information and all matters of confidentiality; raise issues where required
Make well rationalized credit decisions within established standards and limits and adjudicate within compliance guideline
First level professional role with focus on performing credit underwriting / adjudication on a board range of moderately complex credit products
Provide authorization required for credit adjudication based on the Bank's Discretionary Lending limits criteria
Intermediate knowledge on credit products, end-to-end credit processes and systems for own specialized area
Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest
Support the team by continuously improving knowledge / expertise in own area and participate in knowledge transfer within the team and business unit
Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques
Undergraduate degree preferred and/or over 2 years of relevant experience
Proficiency in MS Office (Word, Excel, Outlook and Access) and internet application
Business insight of performing well in highly complex tasks that may involve multiple steps, systems, and jurisdictions
A good listener and excellent thinker with proven verbal and written communications skills
A high-energy Individual who can exercise initiatives with minimal discretion and be thorough, accurate, and detail oriented to handle several tasks and changing priorities
Experience working in a dynamic, high-pressure environment through strong administration, organizational, planning and time management skills
Reviews, analyzes and evaluates credit applications, in accordance with policy and procedures, to authorize credit for customers, within designated discretionary lending limits. Collaborates with various business partners by providing professional credit support / solutions / recommendations and advice through the credit adjudication process. Ensure all credit decisions(approval / decline) within assigned limits are fulfilled on a broad range of credit products efficiently and effectively, meeting service level agreements (SLAs)
- Provide credit support / solutions / recommendations / advice / alternative options when evaluating/analyzing credit applications for decisions in accordance with Bank policies and procedures
- Ensure customer concerns / issues are handled appropriately and resolved in a timely manner, escalate when required
- Positively contribute to the overall customer experience and foster good relationships with internal and external partners
- Contribute to the ongoing improvement of the customer experience within the Business Area Create and/or recognize exceptional customer service through established programs
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 and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.
Credit Underwriting / Adjudication and Support
Job Category - Primary
Operations & Underwriting
Operations & Underwriting