Underwriter I

TD Bank; Edmonton; On-site; CAD 47,000 - 67,000; Full time

Job summary

TD Bank in Edmonton, Alberta is seeking a Credit Underwriter to review, analyze and authorize credit applications within discretionary lending limits. You will collaborate with business partners to provide credit solutions and recommendations through the adjudication process, ensuring compliance with policy and SLAs.

The role emphasizes accurate risk assessment, adherence to credit policies, and contributing to customer and shareholder value within the team.

Qualifications

• High School diploma / Undergraduate degree.
• 1+ years relevant experience.

Responsibilities

• Review, analyze and evaluate credit applications to authorize credit within discretionary lending limits.
• Collaborate with business partners by providing credit support and recommendations through the credit adjudication process.
• Ensure credit decisions meet policy, procedure and SLA requirements; escalate issues as needed.
• Identify risks and apply Bank credit policies and procedures to decisions.

Job description

Work Location

Edmonton, Alberta, Canada

Hours

37.5

Line of Business

Credit Management

Pay Details

$47,200 - $66,600 CAD

TD Compensation

TD 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.

Job Description

Reviews, analyzes and evaluates credit applications, in accordance with policy and procedures, to authorize credit for customers, within designated discretionary lending limits.

Collaborates with business partners by providing credit support / solutions / recommendations through the credit adjudication process.

Key Accountabilities

Customer

• Ensure all credit decisions (approval / decline) within assigned limits are fulfilled on certain credit products efficiently and effectively, meeting service level agreements (SLAs)
• Provide credit support / solutions / recommendations 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, escalates 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

Shareholder

• Prioritize and manage own daily workload to meet SLA requirements for service and productivity
• Accurately decision credit deals within established standards and limits and adjudicate within compliance guidelines
• Contribute to the achievement of satisfactory audits by understanding & following audit and process guidelines
• Identify areas of risk and escalat[e] as necessary
• Follow internal and industry regulations and operating policies when analyzing / completing credit decisions for business partners and customers
• Make well rationalized credit decisions that reflect business intentions and are consistent with relevant rules / regulations
• Identify areas of risk and escalat[e] as necessary
• Understand and apply Bank credit policies and procedures
• Identify and recommend opportunities to enhance productivity, effectiveness and operational efficiency
• Be knowledgeable of and comply with Bank Code of Conduct

Employee / Team

• 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 enhancing knowledge / expertise in own area and participate in knowledge transfer within the team and business unit
• Participate in personal performance management and development activities, including cross training within own team
• Keep others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities
• Contribute to a fair, positive and equitable environment that supports a diverse workforce
• Act as a brand ambassador for your business area/function and the bank, both internally and/or externally

Breadth & Depth

• Works autonomously within established procedures focusing on performing credit underwriting /adjudication on a narrow range of simple credit products
• Provides authorization required for credit adjudication based on the Bank's Discretionary Lending limits criteria
• Sound knowledge on credit products, end-to-end credit processes and systems for own specialized area
• Sound knowledge and understanding of the operating environment, business process and procedures, and credit lifecycle for own area (e.g., processing environment, applications, software, hardware, products)
• Sound level knowledge with some form of related training and/or related experience or skills
• Ability to execute on routine requests
• Identifies key operational / reporting / process issues for own area
• Provides thorough analysis and/or specialized reporting or operational/process support
• Requires general understanding of the overall function and/or businesses supported
• Completes work within specifically defined parameters with guidance / direction from management as necessary
• Generally reports to Team Manager

Experience & Education

• High School diploma / Undergraduate degree
• 1+ years relevant experience

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