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Underwriter II

Reference ID: 244860BR

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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

• 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

• 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

• 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
• 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 the success of the team by willingly assisting others in the completion and performance of work activities; provide training, coaching and/or guidance as appropriate.
• 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

• Undergraduate degree preferred and/or
• 2+ years relevant experience

Additional Information
• First level professional role with focus on performing credit underwriting / adjudication on a board range of moderately complex credit products
• Provides 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
• Intermediate knowledge and understanding of the operating environment, business process and procedures, and transaction lifecycle for own area (e.g., processing environment, applications, software, hardware, products)
• Intermediate 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
• Requires some understanding of complexity in operational / reporting / process and/or analysis function
• Completes work within specifically defined parameters with guidance / direction from management as necessary
• Generally reports to Team Manager



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.

Posted: May 16, 2019
Closes: July 15, 2019