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TD

Underwriter IV

TD
Location
Ottawa, ON
Details
Full Time
16 hours ago
Company Overview

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Department Overview

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.

Job Description

Are you passionate about jumping right into a significant job of providing professional level support in reviewing, analyzing and evaluating credit applications, in accordance with policy and procedures, to authorize credit for customers, within designated discretionary lending? We need someone who can collaborate with business partners by providing expert professional credit support, solutions, recommendations and advice through the credit adjudication process. If this sounds like you, then apply for the position of Underwriter IV to:
  • Ensure all credit decisions (approval / decline) 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
  • May perform in‐depth analysis of a financial position through a thorough investigation of tax returns and / or financial statements, understanding any contingent liabilities, constructing a global cash flow analysis, and credit reporting documentation
  • Prioritize and manage own workload to meet SLA requirements for service and productivity
  • Consistently exercise discretion in managing correspondence, information and all matters of confidentiality; escalate issues where appropriately
  • Make well rationalized credit decisions within established standards and limits and adjudicate within compliance guideline
  • Experienced level professional role with a focus on performing credit underwriting / adjudication on a board range of moderately complex to complex credit products
  • Provide authorization required for credit adjudication based on the Bank's Discretionary Lending limits criteria
  • Advanced knowledge expert on complex 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
  • Provide thought leadership and/ or industry knowledge for own area of 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


Requirements
  • Undergraduate degree with over 4 years of work experience required
  • Deep knowledge of consulting principles, lines of businesses supported, banking industry, and customers supported
  • Knowledge of risk management environment, standards and regulations
  • Deep Knowledge of project/program support, planning and implementation
  • Proficiency with MS Office, tools and technologies
  • A dynamic individual with positive attitude who can deliver projects and initiatives under moderate supervision in a demanding environment
  • A self-motivator with strong communications skills to prioritize and multi-task in a collaborative or independent setting


Additional Information
Personal Banking Delivery Excellence ("PBDE") is committed to delivering digitally-enabled customer solutions, servicing and advice to improve the Customer, Colleague and Partner experience. Our teams will play a significant role in helping to shape the future of TD. We hold the key to differentiating our Personal Banking Customer's experience. Together, we are creating a customer-centric "one office" by focusing on our four strategic accountabilities: Being Customer Obsessed, Delivering a Renowned Colleague Experience, Simplifying and Innovating for Speed, an Unlocking Value on the End-to-End Customer Journey. The chosen candidate will have a tremendous opportunity to interact, collaborate and prioritize with our Partners across TD to shape the next five years of our journey.

The Unsecured Lending Group - is responsible for the adjudication of TD Credit Cards across Canada. Our vision is to deliver legendary customer service with emphasis on speed. How we execute against that vision is to leverage our credit expertise and efficiency to deliver fast, high quality service to our partners and customers.
This role is located in Ottawa, Ontario. Our mandate is to be the best Credit Team by delivering best in class service and advice while operating within the business' credit risk appetite and regulatory framework.

Additional Information About The Role:

As a Small Business Banking ("SBB") Senior Credit Analyst reporting to the Group Manager Unsecured Lending your role is to adjudicate/underwrite credit applications for TD Small Business Banking Credit Card requests while continuing to develop excellent customer service skills and delivering a legendary customer experience to our partners.
French / English bilingualism is preferred but not required;
This role requires the incumbent to be flexible to multiple shift priorities to align with business needs;
TD Business Banking and/or Business Credit underwriting experience is an asset;
Strong analytical and business skills, the ability to prioritize competing requests and multiple tasks in a deadline driven environment;
Excellent multi-tasking, time management and organizational skills.

Hours
37.5

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 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.
Category
Banking, Finance and Insurance Operations and Logistics