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senior loans officer
Title posted on CareerBeacon - Senior Credit Underwriting Officer
Posted on November 08, 2024 by Employer details TD Bank
Job details
Work Location:Montréal, Quebec, CanadaHours:37.5Line of Business:Credit ManagementPay Details:76 800 $/$76,800 - 115 200 $/$115,200 CADTD 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:KEY ACCOUNTABILITIESCUSTOMERContribute to the achievement of the team, business and Customer Experience goals by coaching, modelling and championing the consistent use of CEI attributes and behaviorsCollaborate 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 documentationInvestigate 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 requiredPositively contribute to the overall customer experience and foster good relationships with internal and external partnersContribute to the ongoing improvement of the customer experience within the Business AreaCreate and/or recognize exceptional customer service through established programsSHAREHOLDERPrioritize and manage own workload to meet SLA requirements for service and productivityConsistently exercise discretion in managing correspondence, information and all matters of confidentiality; escalate issues where appropriatelyMake well rationalized credit decisions within established standards and limits and adjudicate within compliance guidelineResolve escalated matters and refer complex issues / situations beyond own level of expertiseEnsure adherence to operating standards and credit / risk processes ? perform quality checks and validation of workIdentify operational issues and recommend improvements, may provide support during implementation of new process changesApply knowledge of systems, programs and services, and external requirements, in achieving efficiency and productivity objectives for the groupContribute to the achievement of satisfactory audits by understanding & following audit and process guidelinesEnsure credit underwriting / adjudication is completed accurately and properly to reflect business intentions and is consistent with relevant rules / regulations while managing risk and minimizing lossesPerform due diligence in support of all credit applicationsBe knowledgeable of practices and procedures within own area of responsibility and keep abreast of emerging credit underwriting / adjudication trendsAdhere to credit enterprise frameworks and/or methodologies that relate to credit underwriting / adjudication activities for the areaProtect the interests of the organization ? identify and manage risks, and ensure the prompt and thorough resolution- LocationMontréal, QC
- Workplace information On site
- SalaryNot available
- Terms of employment Permanent employmentFull time
- Starts as soon as possible
- vacancies 1 vacancy
- Source CareerBeacon #2123408
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