Senior Risk Rating Specialist

Work Location:
Toronto, Ontario, Canada

Hours:
37.5

Line of Business:
Personal & Commercial Banking

Pay Details:
52,700 - 74,400 CAD

This role is eligible for a discretionary variable compensation award that considers business and individual performance.

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:

The Borrower Risk Rating Input Team (BRRIT) provides Borrower Risk Rating (BRR) input support for Commercial Banking Centres (CBCs), Mid-Market Agriculture (MMAG) units, TD Equipment Finance, Financial Restructuring Group, Franchise Banking, the Automotive Banking Centers, and Asset Based Lending Group

BRRIT is responsible for generating model implied BRRs for existing and new borrowers by completing all Moody's Credit Lens (MCL) inputs, including financial statement input and the input of qualitative assessment.

The Senior Risk Rating Specialist is responsible for:

• Use accounting knowledge, notes to financial statements, and overarching guidelines to correctly identify and input values from financial statements (Balance Sheet, Income Statement and Statement of Cash Flow) of privately held companies into the Risk Rating model.
• Understand intercompany transactions and input the intercompany eliminations to combine financial statements from multiple companies.
• Review and close requests for single company inputs.
• Provide guidance to inputter regarding any errors.
• Provide excellent service and support to Commercial Banking centers, Agriculture Banking Centers and other business lines by monitoring the team's generic email in-box and responding to questions posed by Commercial Banking Analysts and Account Managers.
• Act as a Manager on Duty (MOD), which includes operating BRRIT generic email boxes, communicating with internal partners, and monitoring automation process.
• Assist with training of Risk Rating Specialists and/or seasonal contractors
• Support Manager, Risk Rating in other duties as assigned.
• Contribute to a positive and fun work environment.

Job Requirements:

• Read and understand financial statements (company prepared, notice to reader, review engagement and audited)
• Education or work experience with a specialization in accounting is preferred.
• Working knowledge of Moody's CreditLens
• Must possess keen attention to detail
• Ability to work in a fast-paced environment while ensuring work is of high quality
• Strong organizational and time management skills
• Excellent problem-solving skills
• Strong written and verbal communication skills
• Demonstrate ability to work effectively in a team environment and work independently with minimal supervision
• Commitment to continuous improvement
• Working knowledge of standard Microsoft desktop software, specifically Outlook, Excel and Word

Years of experience: Minimum 2 years of experience in accounting or finance area

Education: Minimum post-secondary education, Commerce or Business Administration degree is a requirement, specialization in accounting or finance is preferred

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