Underwriter IV

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.

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 expert professional credit support / solutions / recommendations and advice through the credit adjudication process. KEY ACCOUNTABILITIES CUSTOMER 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  May 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 May 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 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 Preform due diligence in support of all credit applications Be knowledgeable of practices and procedures within own area of responsibility and keep abreast of emerging credit underwriting / adjudication trends Adhere to credit enterprise frameworks and/or methodologies that relate to credit underwriting / adjudication activities for the area Protect the interests of the organization – identify and manage risks, and ensure the prompt and thorough resolution of escalated non-standard, high risk issues Apply subject matter expertise in the discipline of lending, provide guidance, assistance and direction to others Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite EMPLOYEE / TEAM Participate fully as a member of the