Credit Analyst I

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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:

Department Overview

TD Wealth is focused on the delivery of legendary client experiences to Mass Affluent and High-Net Worth clients through an integrated team of professionals across Private Investment Advice Private Investment Counsel Financial Planning Private Banking Private Trust Wealth Insurance and Wealth Advisory Services.

The Credit Solutions Group is focused on helping to create and implement complex structured financial solutions providing superior risk adjusted after-tax rewards for Ultra High Net Worth and High Net Worth individuals families and business leaders. The department brings value through custom loan structures that help private Banking clients build net worth protect what matters implement tax-efficient strategies and leave a legacy.

The target market includes UHNW and HNW individuals and their families successful business entrepreneurs and professionals.

The group has direct accountability and responsibility to assist and educate Private Banking managers and their teams across the country in credit structures.

Job Description:

Reporting to the Regional Credit Manager you will be working with Senior Private Bankers to provide dedicated support to Private Banking clients while delivering a legendary experience. The Credit Analyst is primarily responsible for structuring credit with focus on assessing credit worthiness or risk of potential customers by examining credit history of the applicant the purpose of the credit facility debt serviceability and identifying any potential financial risks involved.

Key accountabilities are:

• Support Senior Private Bankers in booking new business by structuring assessing and submitting for adjudication competitive credit requests in a timely manner to meet customer needs

• Assess credit risk in compliance with applicable internal and external requirements (e.g. financial controls segregation of duties and risk policies) to increase profitability and enable business growth

• Continually deliver exceptional customer service at every interaction and execute on plans to continuously improve the customer experience

• Utilize sales platform to build a robust understanding of our customers / prospects needs

• Constantly build knowledge of the market customers and broader economic factors and have an expert understanding of the Banks Retail Credit Policies and Procedures and being able to interpret and apply them effectively

• Identify and respond to changes in the business environment establishing action plans to address customer issues and priorities

• Assist Senior Private Bankers 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

• Deliver the Bank by recommending introducing and referring appropriate Wealth and TDBFG Business Partners and Products

• Be actively involved in ensuring the Private Banking Market being supported meets or exceeds its LEI target.

• Actively manage relationships within and across various business lines/ corporate and/or control functions and ensure alignment with enterprise and/or regulatory requirements

• Contribute to a fair positive and equitable environment that supports a diverse workforce

• Acts as a subject matter expert and/or a resource for others

Job Requirements:

• 3- 5 years experience in personal or real estate credit

• Experience with complex credit would be considered an asset

• Strong customer service orientation

• The ability to engage in active dialogue with internal and external stakeholders

• Solid credit analytical and problem-solving skills.

• Excellent communication and organizational skills.

• Strong team player

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):