Work Location:

Toronto, Ontario, Canada

Hours:

35

Line of Business:

TD Insurance

Pay Details:

$62,900 - $94,300 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:

JOB PROFILE SUMMARY

Responsible for conducting appraisals of insured dwellings of varying complexity across. The appraisal establishes an accurate replacement cost estimate, creates a concise record for features, finishes, utilities and overall construction, and helps clients manage risks to their home and possessions. The role includes initiatives aimed at providing personal growth opportunities, while supporting overall department goals.

Customer

Conduct insurance appraisals of TD's residential risks. Appraisal reports establish adequate coverage amounts, identify potential additional coverage needs, document and photograph materials, finishes and unique characteristics, and provide end-to-end risk mitigation and client consultation.Coordinate insurance oversight of construction projects, both renovation and new construction, and ensure adherence to agreed-upon timelines and loss control measuresContribute to the legendary customer experience by collaborating with internal and external partners while demonstrating accuracyManage customer relationships, promoting the TD brand by acting as the face of the company during appraisals.Analyze and resolve disputes related to customer complaints, replacement cost and risk engineering, etc.Review quotes of complex risks to provide replacement cost and risk management guidance.Quality control reviews of appraisal reports from internal staff as well as vendor companies.

Shareholder

Adhere to enterprise frameworks or methodologies that relate to activities for our business areaEnsure respective programs/policies/practices are well managed, meet business needs, comply with internal and external requirements, and align with business prioritiesExercise discretion in managing correspondence, information and all matters of confidentiality; escalate issues where appropriateEnsure business operations follow internal and external compliance requirements. (e.g., segregation of duties and physical control of assets)Participate in cross-functional / enterprise / initiatives as a subject matter expert helping to identify risk / provide guidance for complex situationsAdvance internal and external research projects; support the development/ delivery of presentations / communications to management or broader audienceConduct meaningful analysis at the functional or enterprise level using results to draw conclusions, make recommendations, assess the effectiveness of programs/ policies/ practicesMonitor service, productivity and assess efficiency levels within own function and implement continuous process / performance improvements where opportunities existLead / facilitate and/or implement actions / remediation plans to address performance / risk /governance issuesActively manage relationships within and across various business lines, corporate and/or control functions, and ensure alignment with enterprise and/or regulatory requirementsProtect the interests of the organization – identify and manage risks, and escalate non-standard, high-risk activities as necessaryKeep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impactsMaintain a culture of risk management and control, supported by effective processes in alignment with risk appetite

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 interestSupport the team by continuously enhancing knowledge / expertise in own area and participate in knowledge transfer within the team and business unitKeep current on emerging trends/ developments and grow knowledge of the business, related tools and techniquesParticipate in personal performance management and development activities, including cross training within own teamKeep others informed and up to date about the status / progress of projects and / or all relevant or useful information related to day-to-day activitiesAdvance the success of the team by willingly assisting others in the completion and performance of work activities; provide training, coaching and/or guidance as appropriate.Contribute to a fair, positive and equitable environment that supports a diverse workforceAct as a brand ambassador for your business area/function and the bank, both internally and/or externally

BREADTH & DEPTH:

High-proficiency professional role requiring a sound working knowledge of residential construction, replacement cost valuations, and loss control / risk managementIntegrate the broader organizational context into advice and solutions within own areaUnderstands the industry, competition and the factors that differentiate the organizationApplies best practices to implement process, product or service improvementsFunctions as a subject matter resource to others; identifies and leads problem resolution for complex issues at all levelsLeads projects of limited to moderate complex risk and resource requirements; may include participation end-to-end processes or functional programsDevise solutions to moderate problems requiring analysis of multiple variables, including consultation with primary stakeholdersInvestigate and advance new solutions and recommend standards against which others will operateImpact a range of functional programs and operations across own and related teamsguidelines, standards, policies and results of analysis to inform decision making at senior levelsEstablish familiarity with stakeholder alignment in key projects and activities; may escalate process and subject matter advice to senior levelsWorks independently as the field lead and guides others within area of expertiseReports to Appraisal Manager

EXPERIENCE AND / OR EDUCATION

Undergraduate degree or relevant professional certifications, designations, or equivalent experience required 2+ years of experience in residential insurance appraisals and/or related experience such with a preference for appraisals/inspectionsExperience in valuation of high value homes and specialty/unique features not commonly seen in residential construction is an assetArchitectural, construction, inspection, appraisal, high value real estate risk management or similar backgrounds are requisiteCRM/CIP considered an asset

#LI

Who We Are:

As part of TD Bank Group, one of Canada's largest financial institutions, at TD Insurance, we care for Canadian families, making it easy to get the best advice, protection, and support in their moments of need, always.

TD Insurance offers a wide range of products, including General Insurance and Life and Health. More than four million customers count on us.

As the largest direct to consumer insurer in Canada, we are always innovating and providing exciting and rewarding career opportunities for our Canada-wide workforce.

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

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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.
 

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