Credit Representative I 11/2 (Evenings)

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 Find TD Bank on Facebook at and on Twitter at

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

Department Overview

Days Off 1 Day Off 2
2:00PM - 10:45PM Tuesday Friday
2:15PM - 11:00PM Tuesday Friday
2:15PM - 11:00PM Tuesday Friday
2:15PM - 11:00PM Tuesday Friday
2:15PM - 11:00PM Tuesday Friday
*10% shift differential for working PM schedule*

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


    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


    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 . 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.