Credit Underwriting Intern/Co-op (FALL 2026)

TD • Toronto, ON

18d

About The Position

DEPARTMENT OVERVIEW Co-op and Internship opportunities allow you to gain valuable work experience across a number of the businesses at TD. You will work with experienced colleagues, receive world class training, and be part of a community of students across TD, where you will have an impact, grow as individual and experience our culture of care. Our Co-op/Intern Programming is offered with select Co-op and Internship roles and is designed to help you better understand the TD business, build on critical career capabilities, and broaden your professional network. This program is designed to complement your on-the job experience and features: Leadership talks with key Leaders from across the organization Lunch and Learns on topics such as Innovation Diversity and Inclusion and Personal Branding and so much more JOB DESCRIPTION Reviews, analyzes and evaluates credit applications, in accordance with policy and procedures, to authorize credit for customers, within designated discretionary lending limits. Collaborates with various business partners by providing professional credit support / solutions / recommendations and advice through the credit adjudication process

Requirements

• Currently enrolled in an undergraduate degree in Finance, Accounting, Business/Commerce or related field
• Must be enrolled in an undergraduate degree with the intent of going back to school at the start of your work term (requirement of all co-op/intern positions)
• Reviews, analyzes and evaluates credit applications, in accordance with policy and procedures, to authorize credit for customers, within designated discretionary lending limits.
• Collaborates with various business partners by providing professional credit support / solutions / recommendations and advice through the credit adjudication process.

Responsibilities

• 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

Benefits

• Growth opportunities and skill development are defining features of the colleague experience at TD.
• Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role.
• Total Rewards at TD includes a base salary, variable compensation, and several other 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.

What This Job Offers

• Career Level: Intern