Senior Credit Analyst

Work Location:

Hours:

Line of Business:

Pay Details:

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 candidates 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:

Structure credit for assigned portfolios with focus on assessing credit worthiness or risk of potential customers to drive profitable business growth while adhering to TDs credit risk policies. Based on industry knowledge specialized credit acumen and understanding of customer needs Senior Credit Analysts are accountable for underwriting new credit requests completing annual credit reviews coordinating (or managing) draw requests along with responsibilities for monitoring and controlling credit facilities.

CUSTOMER

• Structure and package competitive credit solutions in a timely manner to meet customer needs jointly with the Relationship Manager
• Continually deliver exceptional service at every interaction and execute on plans to continuously improve the customer experience
• Lead all aspects of credit analysis for an assigned portfolio
• Utilize sales platform to build a robust understanding of our customers/ target needs industries and markets
• Be an expert on market industry and broader economic factors
• Identify and respond to changes in the business environment establishing action plans to address customer issues and priorities
• Assist the Relationship Manager in cross-selling the full range of products to existing and new customers as applicable to maximize revenue/profit and retention of relationships based on the risk profile of the customer ensuring appropriate credit is earned at all times
• Develop strong relationships with internal /external business partners and use these networks to provide specialized subject matter expertise and proactively manage customer relationships including contributing to the identification and effective facilitation of reciprocal referrals
• Actively refer to other business partners across TDBG and respond effectively to reciprocal referrals.

SHAREHOLDER

• Assess complex credit risk in compliance with applicable internal and external requirements (e.g. financial controls segregation of duties transaction approvals and physical control of assets) to increase profitability and enable business growth
• Develop / implement strategies to proactively promote products sales services and banking capabilities
• Contribute to Operational Excellence business objectives and identify suggest and actively participate in process improvement opportunities
• Complete business processes / procedures as well as monitoring and control activities in a timely and accurate manner
• Acquire and apply expertise in the role
• Provide guidance assistance and direction to others
• Protect the interests of the organization identify and manage risks and escalate non-standard high risk transactions / activities as necessary
• Actively manage relationships within and across various business lines/ corporate and/or control functions and ensure alignment with enterprise and/or regulatory requirements
• Ensure necessary due diligence to support the accuracy of all customer transactions / activities
• Keep abreast of emerging issues trends and evolving regulatory requirements and assess potential impacts
• Assume responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct

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 interest
• Provide thought leadership and/ or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business unit
• Keep current on emerging trends/ developments and grow knowledge of the business related tools and techniques
• Participate in personal performance management and development activities including cross training within own team
• Keep others informed and up to date about the status / progress of new requests and/or annual reviews and / or all relevant or useful information related to day-to-day activities
• Contribute to team development of skills and capabilities through mentorship of others by sharing knowledge and experiences and leveraging best practices.
• Lead motivate and develop relationships with internal and external business partners / stakeholders to develop productive working relationships.
• Contribute to a fair positive and equitable environment that supports a diverse workforce

BREADTH & DEPTH

• Expert level professional role requiring substantial knowledge / expertise in a complex field and knowledge of broader related areas
• Ensuring advice and solutions provided within own area of expertise align with the Enterprise strategic priorities including risk appetite customer experience
• Collaborate with cross-functional partners acting as a subject matter expert in their field of specialty
• Interprets internal/external business challenges and the industry environment recommends course of action and best practices to improve products processes or services
• Independently manage end-to-end functional programs
• Solves or may lead others to solve complex problems; leads efforts or partners with others to develop new solutions
• Uses sophisticated analytical thought to exercise judgement and identify solutions
• Work is guided by policies and industry standards/methods
• Communicates difficult concepts; converts information to compelling business context and advice; influences and gains alignment across increasingly senior stakeholders
• Works independently with minimal management guidance and supervisions
• Generally reports to the Senior Manager Credit Management

EXPERIENCE & EDUCATION

• Undergraduate degree and/or
• 7 years of relevant experience

Who We Are:

TD is one of the worlds leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day we deliver legendary customer experiences to over 27 million households and businesses in Canada the United States and around the world. More than 95000 TD colleagues bring their skills talent and creativity to the Bank those we serve and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers communities and colleagues.

TD is deeply committed to being a leader in customer experience that is why we believe that all colleagues no matter where they work are customer facing. As we build our business and deliver on our strategy we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether youve got years of banking experience or are just starting your career in financial services we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs were here to support you towards your goals. As an organization we keep growing and so will you.

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:
Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were 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 youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll 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 were committed to helping you identify opportunities that support your goals.

Training & Onboarding
We will provide training and onboarding sessions to ensure that youve got everything you need to succeed in your new role.

Interview Process
Well 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 youd 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):