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TD Opportunities – Underwriter II

TD Bank

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Job Description:

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 Responsibilities:

  • Make well rationalized credit decisions within established standards and limits and adjudicate within compliance guideline
  • 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
  • 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
  • Provide credit support / solutions / recommendations / advice / alternative options when evaluating/analyzing credit applications for decisions in accordance with Bank policies and procedures
  • 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)
  • Intermediate knowledge on credit products, end-to-end credit processes and systems for own specialized area
  • Support the team by continuously improving knowledge / expertise in own area and participate in knowledge transfer within the team and business unit
  • First level professional role with focus on performing credit underwriting / adjudication on a board range of moderately complex credit products
  • Ensure customer concerns / issues are handled appropriately and resolved in a timely manner, raise when required
  • Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques
  • Provide authorization required for credit adjudication based on the Bank’s Discretionary Lending limits criteria

Job Requirements:

Qualification & Experience:

  • A good listener and excellent thinker with proven verbal and written communications skills
  • Business insight of performing well in highly complex tasks that may involve multiple steps, systems, and jurisdictions
  • Experience working in a dynamic, high-pressure environment through strong administration, organizational, planning and time management 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
  • Undergraduate degree preferred and/or over 2 years of relevant experience
  • Proficiency in MS Office (Word, Excel, Outlook and Access) and internet application

Job Details:

Company: TD Bank

Vacancy Type:  Full Time

Job Location: Montreal, Québec, CA

Application Deadline: N/A

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