Senior Credit Underwriting Officer

Lieu de travail : Edmonton, Alberta, Canada Horaire : 37.5 Secteur d’activité : Gestion du crédit Détails de la rémunération : $81,600
- $115,200 CAD La TD a à cœur d’offrir une rémunération juste et équitable à tous les collègues. Les occasions de croissance et le perfectionnement des compétences sont des caractéristiques essentielles de l’expérience collègue à la TD. Nos politiques et pratiques en matière de rémunération ont été conçues pour permettre aux collègues de progresser dans l’échelle salariale au fil du temps, à mesure qu’ils s’améliorent dans leurs fonctions. Le salaire de base offert peut varier en fonction des compétences et de l’expérience du candidat, de ses connaissances professionnelles, de son emplacement géographique et d’autres besoins particuliers du secteur et de l’entreprise. En tant que candidat, nous vous encourageons à poser des questions sur la rémunération et à avoir une conversation franche avec votre recruteur, qui pourra vous fournir des détails plus précis sur ce poste.

Description du poste
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 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.

Key Accountabilities

• Customer: 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, escalating 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. Shareholder: Prioritize and manage own workload to meet SLA requirements for service and productivity. Consistently exercise discretion in managing correspondence, information and all matters of confidentiality; escalating issues where appropriately. Make well rationalized credit decisions within established standards and limits and adjudicate within compliance guideline. Resolve escalated matters and refer complex issues / situations beyond own level of expertise. Ensure adherence to operating standards and credit/risk processes – perform quality checks and validation of work. Identify operational issues and recommend improvements, may provide support during implementation of new process changes. Apply knowledge of systems, programs and services, and external requirements, in achieving efficiency and productivity objectives for the group. 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 while managing risk and minimizing losses. Perform due diligence in support of all credit applications. Be knowledgeable of practices and procedures within own area of respons