Analyste Risques Crédits Bancaires H/F

Gestion du crédit

81,600 - $115,200 CAD

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.

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
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
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 escalate 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
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 in own area 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
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
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
Generally, reports to the Senior Manager, Credit Management
Undergraduate degree and/or
~La TD est un chef de file mondial dans le secteur des institutions financières. Elle est la cinquième banque en importance en Amérique du Nord de par son nombre de succursales. Chaque jour, nous nous efforçons de rendre chaque interaction, chaque produit et chaque expérience remarquablement humaine et agréablement simple à plus de 27 millions de ménages et d’entreprises au Canada, aux États-Unis et partout dans le monde. Plus de 95 000 collègues de la TD mettent à profit leurs compétences, leur talent et leur créativité pour approfondir les relations, assurer une exécution rigoureuse et rendre l’expérience bancaire plus simple et plus rapide. Ensemble, nous réimaginons l’expérience bancaire et ses possibilités pour notre clientèle, nos collègues et nos collectivités.
Notre programme de rémunération globale reflète les investissements que nous faisons pour aider nos collègues et leur famille à atteindre leurs objectifs en matière de bien-être mental, physique et financier. La rémunération globale à la TD inclut le salaire de base, la rémunération variable et bien d’autres régimes clés, comme des avantages sociaux en matière de santé et de bien-être, des régimes d’épargne et de retraite, des congés payés, des avantages bancaires et des rabais, des occasions de développement de carrière et des programmes de récompenses et reconnaissance. C’est d’ailleurs pourquoi nous leur offrons des conversations sur le perfectionnement, des programmes de formation et un régime d’avantages sociaux concurrentiel.
Une variété de programmes de mentorat et une plateforme d’apprentissage en ligne seront également à votre disposition pour vous aider à ouvrir de nouvelles portes.
Formation et intégration
Dans cette optique, nous organiserons des séances d’intégration et de formation.
Nous ferons notre possible pour communiquer par courriel ou par téléphone avec tous les candidats pour leur faire part de notre décision.