Work Location:

Montréal, Quebec, Canada

Hours:

37.5

Line of Business:

Credit Management

Pay Details:

51,400 $/$51,400 - 72,600 $/$72,600 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:

The Credit Underwriting team reviews, analyses and approves credit applications to support various lines of business. We optimize credit opportunities for our customers by determining, structuring, packaging and authorizing credit facilities while adhering to credit risk policies and established guidelines. Our Credit Underwriters assess the credit status of customers, provide credit administrative and operational support and evaluate their financial portfolio while protecting the interest of the Bank. If you want to be a brand ambassador who can help strive efficiencies for the bank, then join our team and make an impactful contribution to TD and your own success.

Job Description:

Do you love what you do at work? Do you thrive in demanding environment where you get to work and learn different aspects of the work and department? We are looking for a highly skilled professional who has a desire to succeed in a role that will aid the team and employees. As Underwriter II, you will review, analyze and evaluate credit applications, in alignment with policy and procedures, to authorize credit for customers, within designated discretionary lending limits. You will be responsible for collaborating with various business partners by providing professional credit support, solutions, recommendations and advice through the credit adjudication process.

· 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, raise when required · 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; raise issues where required

· Make well rationalized credit decisions within established standards and limits and adjudicate within compliance guideline

· First level professional role with focus on performing credit underwriting / adjudication on a board range of moderately complex credit products

· Provide authorization required for credit adjudication based on the Bank's Discretionary Lending limits criteria

· Intermediate knowledge on credit products, end-to-end credit processes and systems for own specialized area

· 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 improving 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

Job Requirements:

· Undergraduate degree preferred and/or over 2 years of relevant experience

· Proficiency in MS Office (Word, Excel, Outlook and Access) and internet application

· Business insight of performing well in highly complex tasks that may involve multiple steps, systems, and jurisdictions

· A good listener and excellent thinker with proven verbal and written communications skills

· A high-energy Individual who can exercise initiatives with minimal discretion and be thorough, accurate, and detail oriented to handle several tasks and changing priorities

· Experience working in a dynamic, high-pressure environment through strong administration, organizational, planning and time management skills

Role is Hybrid with the current model having underwriters work in one of our Credit Centre's on 2 specified days per week

Applicants must live close enough to one of the Credit Centre locations for commutes to the office for in-office hybrid work days 

Rotating shifts throughout the week along with the potential for rotating weekend shifts 

Who We Are:

TD Securities offers a wide range of capital markets products and services to corporate, government, and institutional clients who choose us for our innovation, execution, and experience. With more than 6,500 professionals operating out of 40 cities across the globe, we help clients meet their needs today and prepare for tomorrow. Our services include underwriting and distributing new issues, providing trusted advice and industry-leading insight, extending access to global markets, and delivering integrated transaction banking solutions. In 2023, we acquired Cowen Inc., offering our clients access to a premier U.S. equities business and highly-diverse equity research franchise, while growing our strong, diversified investment bank. We are growth-oriented, people-focused, and community-minded. As a team, we work to deliver value for our clients every day.

Our 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. Learn more

Additional Information:
We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

Colleague Development
If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.
 

Training & Onboarding
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Interview Process 
We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation
Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!

Language Requirement (Quebec only):

Maîtrise d’une langue autre que le français pour offrir du soutien ou traiter avec les clients qui ont besoin de services et de soutien dans une langue autre que le français.