Underwriter III

TD•Vancouver, BC

1d•CA$59,500 - CA$84,000•Hybrid

About The Position

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

Undergraduate degree and/or 3+ years relevant experience
Must be flexible to work 8 hour shifts between 6:00 AM up to 8:00 PM with a Saturday rotation
Minimum 2 Days Per Month in Office at present.

Nice To Haves

Advanced knowledge on credit products, end-to-end credit processes and systems for own specialized area
Advanced 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)
Advanced level knowledge with 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 advanced understanding of the overall function and/or businesses supported
Requires moderate understanding of complexity in operational / reporting / process and / or analysis function
May lead small scale initiatives or work stream packages for assigned area
Completes work within specifically defined parameters with guidance / direction from management as necessary

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