Senior Credit Underwriting Officer

TD•Markham, ON

7d•CA$81,600 - CA$115,200•Onsite

About The Position

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

Requirements

Strong credit acumen- Subject Matter Expert with knowledge of credit adjudication and analysis
Strong knowledge of various Adjudication platforms
Advanced knowledge of products, end-end processes and systems
Ability to identify and investigate non-standard operational / reporting / process issues
Moderate to High level of complexity in operational / reporting / process and/or analysis
Moderate to High credit limit authorization required for credit adjudication
Experience in adjudication of complex credit applications involving multiple step transactions/ processes/activities that may involve numerous systems and range in complexity from medium to high
Ability to identify and investigate non-standard operational/reporting/process issue
Previous credit analysis experience
Strong credit acumen
Preferably has held credit limits
Experience in an exception lending environment
Above average analytical skills
Strong aptitude for problem solving, organization and planning
Proven ability to deliver on Customer Experience goals
Strong aptitude for risk
Analytical Skills
Research & Presentation Skills
Business Intelligence
Organized, detail oriented and ability to multi-task effectively
Time management
Negotiation Skills
Relationship Management
Effective Communication
Interpersonal Skills
Computer Skills
5+ Years relevant experience
Undergraduate degree or technical certificate

Responsibilities

Optimize credit opportunities by assisting partners in adjudicating, structuring, packaging and authorizing credits
Maintain good relationships with partners including 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 being adjudicated in accordance with assigned discretionary limits and established guidelines
Perform due diligence in support of all credit applications
Escalate with recommendation those credit applications that exceed discretionary limits and established guidelines
Provide training to others on best practices, processes, etc. as well as guide mentor other team members for the completion of business