Underwriter IV

TD Bank Group; Toronto; Hybrid; CAD 70,000 - 98,000; Full time

Job summary

TD Bank Group à Toronto recherche un professionnel expérimenté en souscription/crédit pour évaluer et autoriser des demandes de crédit conformes aux politiques bancaires. Vous collaborerez avec les partenaires métiers pour offrir des solutions et conseils professionnels par le processus d’adjudication du crédit.

Le poste exige une expérience avérée en souscription de crédit, avec une rigueur analytique et le respect des SLA et des normes de gestion des risques.

Qualifications

• Undergraduate degree.
• 4+ years relevant experience.

Responsibilities

• Revoir, analyser et évaluer les demandes de crédit afin d’autoriser le crédit.
• Fournir un support/solutions/conseils professionnels en crédit et des recommandations via le processus d’octroi.
• S’assurer que les décisions de crédit respectent les politiques et procédures de la banque et les SLA.
• Conduire des due diligences et analyser les états financiers et les documents pertinents pour évaluer les risques.

Education

Undergraduate degree

Job description

## Souscripteur ou souscriptrice IVPostuler: Sur place: Toronto, Ontario: Temps plein: Publié aujourd'hui: Date de fin : 30 septembre 2026 (Il reste 7 jours pour postuler): R\\_1512075**Lieu de travail :**Toronto, Ontario, Canada**Horaire :**37.5**Secteur d’activité :**Gestion du crédit**Détails de la rémunération :**69,700 - 98,400 CADLa TD a à cœur d’offrir une rémunération juste et équitable à tous les collègues. Les occasions de croissance et le perfectionnement des compétences sont des caractéristiques essentielles de l’expérience collègue à la TD. Nos politiques et pratiques en matière de rémunération ont été conçues pour permettre aux collègues de progresser dans l’échelle salariale au fil du temps, à mesure qu’ils s’améliorent dans leurs fonctions. Le salaire de base offert peut varier en fonction des compétences et de l’expérience du candidat, de ses connaissances professionnelles, de son emplacement géographique et d’autres besoins particuliers du secteur et de l’entreprise. En tant que candidat, nous vous encourageons à poser des questions sur la rémunération et à avoir une conversation franche avec votre recruteur, qui pourra vous fournir des détails plus précis sur ce poste.**Description du poste :**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 expert professional credit support / solutions / recommendations and advice through the credit adjudication process.**KEY ACCOUNTABILITIES** **CUSTOMER*** 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* May investigate available sources of credit financial information and research economic and market conditions relating to the company, industry and market area.* 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 **SHAREHOLDER*** 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* Contribute to the achievement of satisfactory audits by understanding & following audit and process guidelines* Ensure credit underwriting / adjudication is completed accurately and properly to reflect business intentions and is consistent with relevant rules / regulations while managing risk and minimizing losses* Preform due diligence in support of all credit applications* Be knowledgeable of practices and procedures within own area of responsibility and keep abreast of emerging credit underwriting / adjudication trends* Adhere to credit enterprise frameworks and/or methodologies that relate to credit underwriting / adjudication activities for the area* Protect the interests of the organization – identify and manage risks, and ensure the prompt and thorough resolution of escalated non-standard, high risk issues* Apply subject matter expertise in the discipline of lending, provide guidance, assistance and direction to others* Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts* Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite **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* 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* 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 team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices.* Lead, motivate and develop relationships with internal and external business partners / stakeholders to develop productive working relationships.* 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*** Experienced level professional role with a focus on performing credit underwriting / adjudication on a board range of moderately complex to complex credit products* Provides 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* Experienced level of the role with advanced business and operational knowledge or related skills required* May be required to review/ make decisions on financial statements* Ability to execute on ad-hoc non-routine requests* Identifies and investigates non-standard operational / reporting / process issues* Provides recommendations or escalates issues to appropriate area* Requires working professional level knowledge of the functional area and/or business areas supported* Moderate to High level of complexity in operational / reporting / process and/or analysis function* May operate as a working lead on initiatives as assigned* May represents the group as a project lead on projects / initiatives and/or at meetings across the organization.* Provide training to others on best practices, processes, etc. as well as guide junior staff for the completion of business as* Generally reports to Group Manager **EXPERIENCE & EDUCATION*** Undergraduate degree* 4+ years relevant experience