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TD

Underwriter II

TD
Location
Edmonton, AB
Details
Full Time
3 days ago
Company Overview

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Department Overview

USTOMER:
• 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

SHAREHOLDER:
• 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; escalate issues where required
• 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
• Be knowledgeable of practices and procedures within own area of responsibility and keep abreast of emerging credit underwriting / adjudication trends
• Protect the interests of the organization - identify and manage risks, and escalate non-standard, high risk activities as necessary
• Acquire, maintain and apply Credit and Risk 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
• Perform due diligence in support of all credit applications

Job Description

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


Requirements
  • EXPERIENCE & EDUCATION:
    • Undergraduate degree preferred and/or
    • 2+ years relevant experience


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