Credit Analyst II

Job Description

Join to apply for the Credit Analyst II role at TD Securities.

Work Location

Toronto, Ontario, Canada

Hours

37.5 hours per week

Line of Business

Credit Management

Pay Details

$81,600 - $115,200 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.

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 TD's credit risk policies. Accountable for underwriting new credit requests, completing annual credit reviews, coordinating (or managing) draw requests, along with responsibilities for monitoring and controlling credit facilities.

Responsibilities

Customer

• Support the Relationship Manager in booking new business by preparing competitive credit packages in the assigned business segment in a timely manner to meet customer needs.


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


• Lead all aspects of analysis for assigned portfolios.


• Utilize sales platform to build a robust understanding of our customers/ target needs, industries and markets.


• Constantly build knowledge of the market, customers 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.


• Actively refer to other business partners across TDBG and respond effectively to reciprocal referrals.

Shareholder

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


• 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.


• Protect the interests of the organization – identify and manage risks, and elevate 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 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

• Professional role requiring a depth of knowledge/expertise in own domain/field of specialty and working 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.


• Applies best practices to implement process, product or service improvements.


• Acts as a subject matter expert within their own area of specialty or a resource for others.


• Contributes to setting standards within area of expertise.


• Solves problems requiring analysis of multiple variables, including consultation with multiple stakeholders.


• Interprets guidelines, standards, policies and results of analysis to inform decision making at senior levels.


• Builds stakeholder alignment when structuring credit requests.


• Work performed under moderate guidance and supervision from management.


• Identifies and leads problem resolution for complex issues at all levels.


• Generally, reports to the Senior Manager, Credit Management.

Experience & Education

• Undergraduate degree and/or


• 5+ years of relevant experience and/or Associate Program