Credit Analyst I - TDEF

Work Location:
Burlington, Ontario, Canada

Hours:
37.5

Line of Business:
Credit Management

Pay Details:
$69,700 - $98,400 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:

This is a Credit Analyst I role on the TD Equipment Finance ("TDEF") team based in Burlington, ON. The position is responsible for preparing credit reviews, supporting the approval of draw requests, and contributing to monitoring and control activities within the TDEF portfolio.

The Credit Analyst supports the structuring of competitive financing solutions while maintaining credit quality, working on an assigned portfolio of direct - dealing clients in collaboration with Sales Account Executives and Account Managers. The role contributes to portfolio growth, onboarding of new clients, and meeting speed - to - market expectations under the guidance of senior credit professionals.

The portfolio includes mid - market and corporate borrowers. The role covers Ontario and Atlantic Canada, collaborating closely with dedicated TDEF Account Executives, mid-market Commercial Banking teams, and Commercial National Accounts (CNA).

The Credit Analyst is expected to develop sound underwriting and credit analysis skills and to underwrite moderately complex transactions across a range of industries such as transportation, construction, manufacturing, telecom, and related sectors, in accordance with established credit risk policies and procedures.

CUSTOMER

• Continually deliver high - quality service at every interaction and contribute to initiatives that improve the customer experience

• Support credit analysis activities for an assigned portfolio, under the guidance of senior credit team members

• Develop a working knowledge of market, industry, and economic factors relevant to assigned clients

• Identify changes in the business or credit environment and escalate observations to senior stakeholders as appropriate

• Build and maintain effective working relationships with internal and external partners, collaborating to support customer needs and referral opportunities

SHAREHOLDER

• Assess moderately complex credit risk in compliance with internal policies and external requirements, escalating higher - risk or non - standard situations as required

• Contribute to Operational Excellence objectives by following established processes and identifying opportunities for continuous improvement

• Complete assigned business processes, monitoring, and control activities accurately and on time

• Continue to build and apply expertise in equipment finance, credit analysis, and risk management

• Provide input, support, and collaboration to team members; seek guidance when required

• Help protect the interests of the organization by identifying risks and ensuring appropriate escalation

• Work effectively with partners across business lines and control functions to support alignment with enterprise and regulatory requirements

• Ensure appropriate due diligence is completed to support the accuracy of credit documentation and transactions

• Maintain awareness of relevant industry and regulatory developments as they relate to assigned responsibilities

• Comply with Bank policies, procedures, and the Code of Conduct to minimize operational and regulatory risk

EMPLOYEE / TEAM

• Participate actively as a team member and contribute to a positive, inclusive work environment that supports collaboration, quality, and innovation

• Share knowledge and best practices within the team while continuing to learn from others

• Continuously develop skills and knowledge of the business , tools, and credit practices

• Participate in performance management, feedback, and development activities, including cross - training opportunities

• Communicate clearly and in a timely manner regarding the status of assigned work, reviews, and requests

• Support team capability development through collaboration and knowledge sharing

• Build productive working relationships with internal and external partners appropriate to role scope

• Contribute to a fair, positive, and equitable workplace that supports diversity and inclusion

BREADTH & DEPTH

• Professional role requiring foundational to intermediate knowledge of credit analysis and equipment finance, with development in related areas

• Apply established policies, frameworks, and risk appetite to credit decisions within defined authority levels

• Collaborate with cross - functional partners and contribute as a team member, rather than acting as a subject - matter expert

• Analyze business and credit challenges and recommend solutions under guidance

• Solve problems of moderate complexity using sound analytical judgment and established methodologies

• Work is guided by policies, procedures, and management direction

• Communicate clearly and effectively with peers and management; escalate issues as appropriate

• Work with regular supervision and support

• Generally reports to the Senior Manager, Credit Management

EXPERIENCE & EDUCATION

• Undergraduate degree ( finance or commerce ).

• Professional designation (CPA, CFA, MBA, etc.) is an asset.

• Experience in credit underwriting for commercial banking or equipment financing and/or relevant financial analysis experience (FP&A, corporate finance, etc.).

• Strong analytical, judgement and decision-making skills in assessing and handling risk profile for team processes

• A dynamic professional with a positive approach and strong communications skills to liaise with cross-functional teams and colleagues

• Robust organizational and with the ability to work in a demanding environment and handle multiple deadlines and priorities

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