On Site
Toronto, Ontario
Full time
R_1508528
**Work Location:**
Toronto, Ontario, Canada
**Hours:**
37.5
**Line of Business:**
Credit Management
**Pay Details:**
47,200 - 66,600 CAD
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.
**Job Description:**
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, 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 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 escalate 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 escalate 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 easy 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 workplace, 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 support
Requires 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**
High School diploma / Undergraduate degree
1+ years relevant experience
**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.

Learn more (http://www.td.com/ca/en/about-td/who-we-are/perks-of-working-at-td)
**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.

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 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!
**Language Requirement (Quebec only):**
Sans Objet
US Labor & Employment Posters
(https://tdbank.site.findly.com/wp-content/uploads/sites/3875/2026/07/USApplicant

Rights_revised_7-13-2026.pdf) | California Privacy (https://www.td.com/us/en/personal-banking/privacy/california/)

Accessibility (https://www.td.com/us/en/personal-banking/universal-footer/accessibility/)
FAQ (https://cdn-static.findly.com/wp-content/uploads/sites/3345/2024/08/02032545/FAQ_EN.pdf)
**Our Values**
At TD we're guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior.

In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care.

No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture.
**Our Commitment to Diversity, Equity, and Inclusion**
At TD, we're committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported.

We're dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.
**Helping to Make an Impact in Communities – TD Ready Commitment**
TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future.

That's why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative.

Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health.

It's our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities.

Learn more: Canada (https://www.td.com/ca/en/about-td/ready-commitment)
US (https://www.td.com/us/en/about-us/communities/ready-commitment)
Europe & Asia Pacific (https://www.td.com/ca/en/about-td/ready-commitment)
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

📌 Underwriter I (Toronto)
🏢 TD Bank
📍 Toronto