Senior Credit Underwriting Officer

Work Location:

Edmonton, Alberta, Canada

Hours:

37.5

Line of Business:

Credit Management Pay Details:$81,600 - $115,200 CADTD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience  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:

Department Overview:

TD Business Banking provides financial products and services to business customers and is comprised of the following businesses:
Commercial Banking , Commercial National Accounts , Commercial Mortgage Group , National Real Estate Group , Agriculture Services and Small Business Banking Operating as a part of the Business Bank, the Small Business Credit center is comprised of a team of Group Managers, credit analysts and credit managers focused on delivering timely credit decisions to our partners in the retail network right across the country.

We strive to deliver first time right credit decisions, with a focus on growing market share while at the same time managing our risk appetite and regulatory framework. Our vision is to innovate and invest to deliver legendary value with speed. How we execute against that vision is to leverage our enterprise scale, process expertise, and lean disciplines to efficiently deliver capabilities while supporting our partners to effectively compete in the markets that they serve as a legendary One TD team.

Key Accountabilities:

Customer:

Contribute to the achievement of the team, business and Customer Experience goals by coaching, modelling and championing the consistent use of CEI attributes and behaviors

Collaborate with various business partners by providing professional credit support / solutions / recommendations through the credit adjudication process.

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

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

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…