Credit Underwriting Intern/Co-op (FALL 2026)

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Pour obtenir de plus amples renseignements, consultez notre .Type de rôle :Internship/Co-opSession de stage :Fall/Term 1Lieu de travail :Toronto, Ontario, CanadaHoraire :37.5Détails de la rémunération :$45,700 – $74,400 CADLa TD a à cœur d’offrir une rémunération juste et équitable à tous les collègues. Les occasions de croissance et le perfectionnement des compétences sont des caractéristiques essentielles de l’expérience collègue à la TD. Nos politiques et pratiques en matière de rémunération ont été conçues pour permettre aux collègues de progresser dans l’échelle salariale au fil du temps, à mesure qu’ils s’améliorent dans leurs fonctions. Le salaire de base offert peut varier en fonction des compétences et de l’expérience du candidat, de ses connaissances professionnelles, de son emplacement géographique et d’autres besoins particuliers du secteur et de l’entreprise. En tant que candidat, nous vous encourageons à poser des questions sur la rémunération et à avoir une conversation franche avec votre recruteur, qui pourra vous fournir des détails plus précis sur ce poste.Description du poste :DEPARTMENT OVERVIEWCo-op and Internship opportunities allow you to gain valuable work experience across a number of the businesses at TD. You will work with experienced colleagues, receive world class training, and be part of a community of students across TD, where you will have an impact, grow as individual and experience our culture of care.Our Co-op/Intern Programming is offered with select Co-op and Internship roles and is designed to help you better understand the TD business, build on critical career capabilities, and broaden your professional network. This program is designed to complement your on-the job experience and features:* Leadership talks with key Leaders from across the organization* Lunch and Learns on topics such as Innovation* Diversity and Inclusion and Personal Branding and so much moreJOB DESCRIPTIONReviews, analyzes and evaluates credit applications, in accordance with policy and procedures, to authorize credit for customers, within designated discretionary lending limits. Collaborates with various business partners by providing professional credit support / solutions / recommendations and advice through the credit adjudication processKEY ACCOUNTABILITIESCUSTOMER* 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, 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 programsSHAREHOLDER* 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; escalate issues where required* 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* Be knowledgeable of practices and procedures within own area of responsibility and keep abreast of emerging credit underwriting / adjudication trends* Protect the interests of the organization – identify and manage risks, and escalate non-standard, high risk activities as necessary* Acquire, maintain and apply Credit and Risk 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* Perform due diligence in support of all credit applicationsEMPLOYEE / 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* Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques* 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 the success of the team by willingly assisting others in the completion and performance of work activities; provide training, coaching and/or guidance as appropriate.* 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 externallyBREADTH & DEPTH* First level professional role with focus on performing credit underwriting / adjudication on a board range of moderately complex credit products* Provides 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* Intermediate knowledge and understanding of the operating environment, business process and procedures, and transaction lifecycle for own area (e.g., processing environment, applications, software, hardware, products)* Intermediate 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 support* Requires general understanding of the overall function and/or businesses supported* Requires some understanding of complexity in operational / reporting / process and/or analysis function* Completes work within specifically defined parameters with guidance / direction from management as necessary* Generally reports to Team Manager**JOB
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