CCUL Credit Rep I (7/27 Start Date - AM Schedule)

TD Description

About TD Bank, America's Most Convenient Bank®

TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth®, and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit www.tdbank.com. Find TD Bank on Facebook at www.facebook.com/TDBank and on Twitter at www.twitter.com/TDBank_US.

TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol "TD". To learn more, visit www.td.com.

Job Description

The US Credit Cards & Unsecured Lending (CCUL) Credit Representative I assists with TD credit card customer and small business applications credit decision process and servicing existing accounts.

Job Requirements

  • Must be eligible for employment under regulatory standards applicable to the position.

  • • Handles and decisions basic application processing
    • Create new lines of credit and credit line increases
    • Checks information to ensure data integrity by comparing findings to credit applications and system information
    • Helps check and verify information in system vs. applications to ensure accuracy
    • Orders, obtains, and utilizes credit reports and other applicable credit history information
    • Assists with individual customer and small business applications credit decision process
    • Communicates with customers as needed, obtaining information, explaining credit decisions and other related issues
    • Reviews findings and results presented by underwriting system
    • Responds to telephone, written and other inquiries regarding account balances, interest rates, charges, statement requests and other issues as applicable
    • Resolves problems immediately within authority, defers for additional research or forwards to supervision or dispute resolution as needed
    • Authorizes finance and other charge givebacks when appropriate and within limits of authority
    • Refers Customer disputes to research area

    Qualifications

    • High School Diploma or equivalent experience
    • 0-2 Years of related experience
    • Analytical ability and computer skills, to understand and use automated underwriting system
    • Organized and detail-oriented
    • Ability to work in a high-volume, deadline-driven environment
    • Good communication skills, both verbal and written
    • Limited credit authority as applicable
    • Must be available to work a variable schedule which may include nights and weekends

    Inclusiveness

    At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach their potential.

    If you are a candidate with a disability and need an accommodation to complete the application process, email the TD Bank US Workplace Accommodations Program at USWAPTDO@td.com . Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

    EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.