Remote Research Panel Participant

Entry level mortgage underwriter • edmonton ab

Reviews, analyzes and evaluates credit applications, in accordance with policy and procedures, to authorize credit for customers, within designated discretionary lending limits.

Collaborates with business partners by providing credit support / solutions / recommendations through the credit adjudication process.

Key Accountabilities:

Customer:

• Ensure all credit decisions (approval / decline) within assigned limits are fulfilled on certain credit products efficiently and effectively, meeting service level agreements (SLAs)
• Provide credit support / solutions / recommendations 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, elevate 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 daily workload to meet SLA requirements for service and productivity
• Accurately decision credit deals within established standards and limits and adjudicate within compliance guidelines
• Contribute to the achievement of satisfactory audits by understanding & following audit and process guidelines
• Identify areas of risk and escala as necessary
• Follow internal and industry regulations and operating policies when analyzing / completing credit decisions for business partners and customers
• Make well rationalized credit decisions that reflect business intentions and are consistent with relevant rules / regulations
• Identify areas of risk and escala as necessary
• Understand and apply Bank credit policies and procedures
• Identify and recommend opportunities to enhance productivity, effectiveness and operational efficiency
• Be knowledgeable of and comply with Bank Code of Conduct

Employee / Team:

• 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
• 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 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

Breadth & Depth:

• Works autonomously within established procedures focusing on performing credit underwriting /adjudication on a narrow range of simple credit products
• Provides authorization required for credit adjudication based on the Bank's Discretionary Lending limits criteria
• Sound knowledge on credit products, end-to-end credit processes and systems for own specialized area
• Sound knowledge and understanding of the operating environment, business process and procedures, and credit lifecycle for own area (e.g., processing environment, applications, software, hardware, products)
• Sound level knowledge with some form of 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 supportRequires general understanding of the overall function and/or businesses supported
• Completes work within specifically defined parameters with guidance / direction from management as necessary
• Generally reports to Team Manager

Experience & Education:

• 1+ years relevant experience

#LI_Commercial

Who We Are:

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

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.

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.

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.

If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.

We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

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!