Bank Credit Analyst

Credit Management

77,500 - $109,400 CAD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. 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. 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 Utilize sales platform to build a robust understanding of our customers/ target needs, industries and markets Constantly build knowledge of the market, customers and broader economic factors 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
Applies best practices to implement process, product or service improvements
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
~TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. 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. Together, we are reimagining what banking can be for our clients, colleagues and communities.

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. 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.

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.

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.

We do our best to communicate outcomes to all applicants by email or phone call.

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):