Credit Assistant II

Work Location:

Hours:

Line of Business:

Pay Details:

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 candidates 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 ACCOUNTABILITIES

CUSTOMER

• Provide guidance and support to business partners or customers on a broad range of credit products offered in a business line or product suite and/or within authorization limit
• Support partner relationships and be responsible for providing a broad range of operational and/or credit processing activities to ensure business objectives and Service Level Agreements (SLAs) are met
• Ensure complete and accurate data input into the origination system assisting the preparation of loan documentation
• Reconcile / verify / process all required credit support material / documentation for credit transactions / activities to support customers in obtaining credit
• May review credit files and records to answer business partner or customer requests for information
• Ensure all required processing and enquiries are fulfilled meeting Service Level Goals
• Ensure business partner or customer problems are handled appropriately in a timely manner effectively / efficiently and escalate as necessary
• Interpret credit policies legal requirements and regulatory guidelines to ensure loan documents meet applicable standards
• Provide direction and guidance and assist team with most complex aspects of account administration as necessary

SHAREHOLDER

• Prioritize and manage own workload to meet SLA requirements for service and productivity
• Understand and apply credit operating policies and procedures
• Support various business partners and credit areas by either collecting / reviewing / analyzing all credit documentation for accuracy adherence to all regulatory requirements review of all requested approval conditions associated with a credit facility prior to funding etc.
• May also be responsible for document preparation and performing quality reviews and complete quality control analysis along with arranging credit transactions / activities and supports customers in obtaining credit
• Follow internal and industry regulations and operating practices in completing and recording transactions for either the organization or clients
• Escalate non-standard or high-risk activities as necessary
• Ensure documentation that is prepared / completed is accurate and properly reflects business intentions and is consistent with relevant rules / regulations
• Complete investigations report / escalate risk issues or process gaps identified
• Identify and recommend opportunities to enhance productivity effectiveness and operational efficiency
• Ensure necessary due diligence to support the accuracy of all transactions / activities
• 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 and/or is responsible for credit activities involving multiple steps systems and jurisdictions
• Requires advanced skills and expertise in a range of credit products and services processes procedures and systems in a set of focus areas where transactions could be characterized by moderate risk
• May develop spreading of financials statements to forecast future financial statements
• Acts as the primary contact for customers on credit applications
• Gathers and analyzes data to identify and solve problems escalated as appropriate
• Uses judgement and understanding of process/policy risk when recommending exceptions outside general practices or guidelines
• Generally interacts with internal customers / partners for functions performed and/or external customers
• May provide process / policy guidance to others (e.g. within team internal partners)
• Focus of work spans from daily weekly to monthly activities
• Requires full proficiency in a range of processes and procedures through job related training and considerable on the job experience to perform a range of work assignments
• Requires solid knowledge of the business unit / operational functions as well as regulatory issues/requirements for jurisdictions supported
• Generally reports to a Team Manager

A Preferred Candidate has been identified.

EXPERIENCE & EDUCATION

• High School diploma / Undergraduate degree and/or
• 1 years relevant experience

Who We Are:

TD is one of the worlds leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day we deliver legendary customer experiences to over 27 million households and businesses in Canada the United States and around the world. More than 95000 TD colleagues bring their skills talent and creativity to the Bank those we serve and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers communities and colleagues.

TD is deeply committed to being a leader in customer experience that is why we believe that all colleagues no matter where they work are customer facing. As we build our business and deliver on our strategy we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether youve got years of banking experience or are just starting your career in financial services we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs were here to support you towards your goals. As an organization we keep growing and so will you.

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:
Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were 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 youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll 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 were committed to helping you identify opportunities that support your goals.

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

Interview Process
Well 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 youd 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):