Work Location:
Southfield, Michigan, United States of America
Hours:
40
Pay Details:
$61,880 - $92,560 USD
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.
Line of Business:
Personal & Commercial Banking
Job Description:
This role drives operational excellence for TD Auto Finance Retail Credit Operations by combining hands-on underwriting execution with data-driven analytics and disciplined credit decisioning. This role is accountable for pod-level performance outcomes, including capture, service delivery, credit quality, and adherence to credit policy and risk appetite, while identifying trends, risks, and opportunities that support sustainable portfolio growth. Provides guidance through expertise, influence, and delegated credit authority. The role partners closely with Sales and cross-functional stakeholders to deliver consistent, timely credit decisions, support portfolio performance through insights and early risk identification, and promotes underwriting consistency through calibration and continuous improvement.
Depth & Scope:
- Leads pod-level data analysis and performance monitoring to identify emerging underwriting trends, risks, and opportunities
- Drives pod engagement and execution strategies to optimize capture rates, efficiency, service delivery, and portfolio quality
- Ensures comprehensive pod coverage by coordinating workflows and partnering with underwriting peers and leaders to meet business needs
- Serves as an escalation point for complex dealer customer credit inquiries and sales calls, providing timely, well-reasoned guidance aligned to credit policy and risk appetite
- Actively underwrites Retail Credit auto loan applications in accordance with credit policy, procedures, and delegated authority
- Reviews exceptions and higher-risk or high-dollar credit decisions within delegated authority; escalates decisions outside authority in accordance with established governance
- Conducts and reviews Early Warning Indicators (EWI), First Payment Default (FPD), and Loss Deal Analysis to inform risk mitigation actions and underwriting adjustments
- Supports underwriting consistency by contributing to quality gates, calibration reviews, and best-practice sharing across pods
- Provides informal coaching, technical guidance, and knowledge transfer to analysts and senior analysts to strengthen decision quality and consistency
- Participates in new hire training activities and onboarding support as needed (content and technical guidance, not performance management)
- Leads or contributes to small-scale initiatives, working groups, and ad hoc reporting or audit requests as needed
Education & Experience:
- Bachelor’s degree or equivalent relevant experience
- 3+ years of underwriting or credit analysis experience, preferably in auto finance
- Strong analytical and critical-thinking skills, with the ability to interpret data, identify trends, and translate insights into action
- Demonstrated ability to influence, coordinate, and drive outcomes across stakeholders without direct authority
- Strong communication skills, including the ability to explain credit decisions and risk rationale clearly to Sales and internal partners
- Proven ability to balance strategic priorities with production accountability in a fast-paced environment
- Effective time management and sound judgment, including escalation discipline and decision-making within delegated authority
- Ability to provide expert guidance within primary areas of responsibility, leveraging technical expertise and relationships to drive business outcomes
Physical Requirements:
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
- Domestic Travel – Occasional
- International Travel – Never
- Performing sedentary work – Continuous
- Performing multiple tasks – Continuous
- Operating standard office equipment - Continuous
- Responding quickly to sounds – Occasional
- Sitting – Continuous
- Standing – Occasional
- Walking – Occasional
- Moving safely in confined spaces – Occasional
- Lifting/Carrying (under 25 lbs.) – Occasional
- Lifting/Carrying (over 25 lbs.) – Never
- Squatting – Occasional
- Bending – Occasional
- Kneeling – Never
- Crawling – Never
- Climbing – Never
- Reaching overhead – Never
- Reaching forward – Occasional
- Pushing – Never
- Pulling – Never
- Twisting – Never
- Concentrating for long periods of time – Continuous
- Applying common sense to deal with problems involving standardized situations – Continuous
- Reading, writing and comprehending instructions – Continuous
- Adding, subtracting, multiplying and dividing – Continuous
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.
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 base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more
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.
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
TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at [email protected] . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.
