Senior Credit Underwriting Strategist

2 weeks ago

Montreal, Quebec, Canada The Toronto-Dominion Bank (Canada) Full time

Overview


The Toronto-Dominion Bank (Canada) is seeking a highly skilled Senior Credit Underwriting Strategist to join our team. In this role, you will be responsible for performing credit underwriting and adjudication on a broad range of complex credit products.



About the Role


This is a hybrid position with the current model having underwriters work in one of our Credit Centres on 2 specified days per week. The ideal candidate will have a minimum of 5+ years relevant experience and an undergraduate degree. You will be required to live close enough to one of the Credit Centre locations for commutes to the office for in-office hybrid work days.



Key Responsibilities


As a Senior Credit Underwriting Strategist, your key responsibilities will include:



  • 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;
  • Possitively 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;
  • Expert level professional role with focus on performing credit underwriting/adjudication on a board range of complex credit products;
  • Maintain lending limits as defined by TD Bank's discretionary lending limit policy to support the review or decisioning of credit, as required;
  • Requires advanced process management knowledge and expert knowledge of the risk profile for team processes supported, strong knowledge in identifying, tracking, and resolving gaps;
  • Acts as a team escalation contact for issues raised from other internal groups, partners, and/or customers;
  • Involves regular contact with cross-functional teams across TDBG or external contacts or customers;
  • May provide regular analysis and/or reporting to support business partners, functional areas, or centres of expertise;
  • Subject matter expert on credit products, end-to-end credit processes, and systems for own specialized area;
  • Subject Matter Expert level of the role with advanced business and operational knowledge or related skills required;
  • May be required to review/make decisions on financial statements;
  • Ability to execute on ad-hoc non-routine requests;
  • Identifies and investigates non-standard operational/reporting/process issues;
  • High level of complexity in operational/reporting/process and/or analysis function;
  • Provide training to others on best practices, processes, etc., as well as guide junior staff for the completion of business as usual tasks.


Salary and Benefits


We offer a competitive salary range of $80,000 - $120,000 per year, depending on experience, plus a comprehensive benefits package, including health and wellness benefits, savings and retirement plans, paid time off, banking benefits, and discounts.



Requirements


To be successful in this role, you will require:



  • A minimum of 5+ years relevant experience in credit underwriting and adjudication;
  • An undergraduate degree;
  • Advanced process management knowledge and expert knowledge of the risk profile for team processes supported;
  • Strong knowledge in identifying, tracking, and resolving gaps;
  • Excellent communication and interpersonal skills;
  • Ability to work in a fast-paced environment and prioritize multiple tasks;
  • Knowledge of credit products, end-to-end credit processes, and systems for own specialized area;
  • Ability to execute on ad-hoc non-routine requests;
  • Identifies and investigates non-standard operational/reporting/process issues.


Total Rewards Package


Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. 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.

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