Senior Credit Underwriting Officer at TD in Edmonton, AB

Job description

Work Location: Edmonton, Alberta, Canada Hours: 37.5 Line of Business: Credit Management Pay Details: $81,600 - $115,200 CAD TD is committed to providing fair and equitable compensation opportunities to all colleagues. 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. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. Job Description: Provides day-to-day team support related to credit underwriting / adjudication function and to ensure effective and efficient operations, delivery of services / solutions in accordance with established service levels, quality standards, compliance and regulatory guidelines. Coach employees to achieve business results and strong credit acumen. 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, 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 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; escalate 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 procedure