Senior Credit Underwriting Officer

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.

As a Credit Manager your role is to adjudicate/underwrite credit applications for Small Business requests while continuously developing excellent customer service skills and delivering a legendary customer experience to our partners.

• Optimize credit opportunities by assisting partners in adjudicating, structuring, packaging, and authorizing credits.
• Maintain good relationships with partners, responding to questions and concerns.
• Contribute to operational improvements to streamline procedures/processes and enhance service.
• Protect the interests of the Bank by ensuring credit is adjudicated in accordance with assigned discretionary limits and established guidelines.
• Perform due diligence in support of all credit applications.
• Escalate credit applications that exceed discretionary limits or established guidelines with recommendations.
• Leverage strong credit acumen as a subject‑matter expert in credit adjudication and analysis.
• Utilize knowledge of adjudication platforms, products, end‑to‑end processes and systems.
• Identify and investigate non‑standard operational/reporting/process issues.
• Handle complex applications with moderate to high credit limit authorizations and multi‑step transactions.
• Provide training and mentor team members on best practices and processes.

• Previous credit analysis experience with strong credit acumen; experience holding credit limits preferred.
• Experience in an exception lending environment.
• Above‑average analytical, problem‑solving, organizational and planning skills.
• Proven ability to deliver on customer experience goals.
• Advanced analytical, research, presentation, and communication skills.
• Detail oriented, multi‑tasking, time‑management, negotiation, relationship‑management, and interpersonal skills.
• Computer skills and competency with relevant credit systems.

Undergraduate degree or technical certificate.

Our total rewards package includes a base salary, variable compensation, and several key plans such as health and well‑being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes.