Commercial Credit Analyst

Work Location: Calgary, Alberta, Canada Hours: 37.5 Line of Business: Credit Management 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 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: TD Auto Finance (TDAF), a dynamic division within TD Business Banking, offers an exciting opportunity to join a rapidly growing business that is transforming the automotive banking landscape in Canada. With Automotive Banking Centres strategically located in Toronto, Calgary, and Montreal, our team is led by regional Market Leaders and dedicated to delivering comprehensive financing and cash management solutions to clients in the automotive dealership industry. The TDAF Commercial team is comprised of three core pillars: Commercial Sales, Commercial Credit, and Commercial Operations. Together, these pillars deliver end‑to‑end solutions that address the unique needs of auto dealers across the country. Credit exposure within the portfolio spans real estate and acquisition financing, operating credit, floor plan financing, lease lines, and equipment financing. The Commercial Sales team manages existing relationships and is charged with business development, the Commercial Credit teams are responsible for credit analysis and monitoring, credit underwriting, and ensuring risks are promptly identified are appropriately managed. TDAF has a bold vision to become Canada’s #1 auto lender and joining the TDAF team means becoming part of a forward thinking, high performing team that is redefining the automotive banking and setting new standards of excellence in Canada’s automotive industry.Job Description Structure
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 needsContinually deliver exceptional customer service at every interaction and execute on plans to continuously improve the customer experienceLead all aspects of analysis for assigned portfoliosUtilize sales platform to build a robust understanding of our customers/ target needs, industries and marketsConstantly build knowledge of the market, customers and broader economic factorsIdentify and respond to changes in the business environment, establishing action plans to address customer issues and prioritiesAssist 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 timesActively 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 growthProactively promote products, sales, services and banking capabilitiesContribute to Operational Excellence business objectives and identify, suggest and actively participate in process improvement opportunitiesComplete business processes / procedures as well as monitoring and control activities in a timely and accurate mannerProtect the interests of the organization - identify and manage risks, and elevate non‑standard, high risk transactions / activities as necessaryActively manage relationships within and across various business lines/ corporate and/or control functions and ensure alignment with enterprise and/or regulatory requirementsEnsure necessary due diligence to support the accuracy of all customer transactions / activitiesKeep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impactsAssume responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of ConductEMPLOYEE / 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 interestProvide thought leadership and/ or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business unitKeep current on emerging trends/ developments and grow knowledge of the business, related tools and techniquesParticipate in personal performance management and development activities, including cross training within own teamContribute 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 workforceBREADTH & DEPTH
Professional role requiring a depth of knowledge / expertise in own domain / field of specialty and working knowledge of broader related areasEnsuring advice and solutions provided within own area of expertise align with the Enterprise strategic priorities, including risk appetite, customer experienceApplies best practices to implement process, product or service improvementsActs as a subject matter expert within their own area of specialty or a resource for othersContributes to set standards within area of expertiseSolves problems requiring analysis of multiple variables, including consultation with multiple stakeholdersInterprets guidelines, standards, policies and results of analysis to inform decision making at senior levelBuild stakeholders alignment when structuring credit requestsWork performed under moderate guidance and supervision from managementIdentifies and leads problem resolution for complex issues at all levelsGenerally, reports to the Senior Manager, Credit ManagementEXPERIENCE & EDUCATION
Business Degree (BComm or MBA), other undergraduate degree5+ years of relevant experience and/or Associate ProgramFinancial statement acumen and strong analytical skills (will be assessed during the interview process)Prior financial modeling experience considered a strong assetStrong communications and organizational skills with the ability to multi-task and adapt to change in a dynamic fast-paced environmentAbility to work both independently and in a team environmentA high-energy individual who can be detail oriented and exercise initiatives with minimal directionProficient in using Windows and MS Office Suite (Word, Excel, PowerPoint and Outlook)CFA designation, or progress toward completion, is considered an asset.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 moreAdditional 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.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.Language Requirement (Quebec only): Sans Objet
US Labor & Employment Posters | California Privacy | Accessibility | FAQOur Values
At TD we’re guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture.Our Commitment to Diversity, Equity, and Inclusion
At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve. Helping to Make an Impact in Communities – TD Ready Commitment TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities. Learn more: Canada | US | Europe & Asia Pacific
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