Credit Rep I (Bi-Ling:Eng & Span) 10/5 PM Shift Remote

Company OverviewAbout 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 OverviewStart/Training Date: 10/5/20212:00PM - 10:45PM Days Off: Tuesday & Friday2:15PM - 11:00PM Days off: Tuesday & Friday10% shift differential for working the Evening scheduleJob DescriptionThe 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.RequirementsMust be eligible for employment under regulatory standards applicable to the position. Handles and decisions basic application processingCreate new lines of credit and credit line increasesChecks information to ensure data integrity by comparing findings to credit applications and system informationHelps check and verify information in system vs. applications to ensure accuracyOrders, obtains, and utilizes credit reports and other applicable credit history informationAssists with individual customer and small business applications credit decision processCommunicates with customers as needed, obtaining information, explaining credit decisions and other related issuesReviews findings and results presented by underwriting systemResponds to telephone, written and other inquiries regarding account balances, interest rates, charges, statement requests and other issues as applicableResolves problems immediately within authority, defers for additional research or forwards to supervision or dispute resolution as neededAuthorizes finance and other charge givebacks when appropriate and within limits of authorityRefers Customer disputes to research areaQualificationsHigh School Diploma or equivalent experience0-2 Years of related experienceAnalytical ability and computer skills, to understand and use automated underwriting systemOrganized and detail-orientedAbility to work in a high-volume, deadline-driven environmentGood communication skills, both verbal and writtenLimited credit authority as applicableMust be available to work a variable schedule which may include nights and weekendsHours40InclusivenessAt 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.