Risk Analyst, Credit Risk Analysis & Reporting (5084)

Work Location:
Toronto, Ontario, Canada

Hours:
37.5

Line of Business:
Risk Management

Pay Details:
69,700.00 - 98,400.00 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:

Reporting to the Manager, Credit Risk Reporting & Analysis, the Risk Analyst is responsible for a broad array of risk reporting and analysis, including actively monitoring credit risk policy limits and regulatory reporting. This opportunity requires direct interaction with stakeholders across the organization, a high degree of initiative, and strong relationship management, communication, problem-solving, and analytical skills. This is an excellent opportunity for a high performer to broaden their analytic capabilities and gain enterprise-wide exposure.

Key accountabilities include:

• Prepare credit risk reports that monitors various internal policy limits and perform variance analysis for management review.
• Participate in various enterprise-wide risk initiatives, including both internal data enhancement and external regulatory reporting.
• Become a subject matter for credit risk related activities covering both TD Securities and Canadian Commercial portfolios.
• Build knowledge on wholesale and commercial credits and understand different type of risk exposure.
• Respond to ad-hoc request accurately and in a timely manner.
• Work collaboratively and develop strong relationships across the Enterprise, including Risk Management, Finance, Capital/Treasury, and the Businesses
• Contribute to a positive, inclusive and collaborative team culture.

Department Overview

As part of TD's Risk Management group, the Credit Risk Reporting & Analysis team produces a broad array of risk reporting and analysis. The Group is responsible for internal enterprise-wide risk reporting to support senior internal stakeholders including the Chief Risk Officer, Senior Executive Team, Risk Management Leadership Team, and the Risk Committee of the Board. The Group is also responsible for external regulatory reporting. In addition, the Group produces material to aid the CRO's preparation for TD's quarterly earnings releases, analyst/investor meetings, and Board presentations.

Job Requirements

• Analytic thinker: Excellent analytical and problem-solving skills with the ability to identify key trends/drivers and an eye for detail. Ability to think outside the box and effectively challenge the status quo, with a key eye for process improvement.
• Communication: Strong written and verbal communication skills, including the ability to simplify complex analyses into easily consumable key messages appropriate for Executives.

• Adaptability: Adaptable to changing priorities, ad hoc requests, ambiguity and comfortable operating both independently and in a team environment. Strong time management skills with the ability to meet tight deadlines.

• Organizational awareness: Strong stakeholder management capabilities, including ability to effectively interact with senior stakeholders and drive results. High level of diligence, strong organizational skills and overall maturity with the ability to leverage stakeholders to locate, analyze and synthesize complex information - both quantitative and qualitative.

• Knowledge: Understanding of credit risk that arise from different product types. Proficient in Microsoft Offices.

The following would be considered an asset:

• Experience using Python & Power BI
• Experience using Co-Pilot for reporting & analysis
• Experience with credit risk reporting.
• Prior experience with TD internal risk data systems (CAIRO, nCino, LOANIQ, IRIS, etc.)

Additional Information

• Post-Secondary degree in a more quantitative discipline, along with a CFA/FRM/CPA or similar designation is preferred.
• 1-2 years of analytical experience, including solid background working with data and conducting analysis.

Who We Are:

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

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.

If you're passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.

We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

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