Associate, CIB Credit, Asset Securitization Group

TD Securities; Toronto; On-site; CAD 85,000 - 110,000; Full time

Job summary

TD Securities is seeking an Associate for the CIB Credit team in Toronto, focusing on mortgage solutions. The role involves preparing credit submissions, overseeing Borrower performance, and conducting risk analyses. Ideal candidates are detail-oriented with strong financial and analytical skills, and ideally possess experience in credit management.

Benefits

Discretionary variable compensation

Health and well-being benefits

Savings and retirement programs

Career development opportunities

Qualifications

• Well-organized and able to work under pressure.
• Experience in credit analysis preferred.
• Bilingual (French/English) an asset.

Responsibilities

• Prepare high-quality credit submissions for assigned Borrowers.
• Monitor performance of Borrowers and mortgage portfolio compliance.
• Conduct market and client research for risk assessment.

Skills

Financial Analysis

Analytical Skills

Problem Solving

Communication

Detail-oriented

Tools

MS Excel

Job description

Associate, CIB Credit, Residential Mortgage Solutions Group

Join to apply for the Associate, CIB Credit, Residential Mortgage Solutions Group role at TD Securities

Associate, CIB Credit, Residential Mortgage Solutions Group

Join to apply for the Associate, CIB Credit, Residential Mortgage Solutions Group role at TD Securities

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Work Location:

Toronto, Ontario, Canada

Hours:

37.5

Line Of Business:

TD Securities

Pay Details:

$85,000 - $110,000 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:

TD Securities offers a wide range of capital markets products and services to corporate, government, and institutional clients who choose us for our innovation, execution, and experience.

With more than 6,900 professionals operating out of 40 cities across the globe, we help clients meet their needs today and prepare for tomorrow. Our services include underwriting and distributing new issues, providing trusted advice and industry-leading insight, extending access to global markets, and delivering integrated transaction banking solutions. In 2023, we acquired Cowen Inc., offering our clients access to a premier U.S. equities business and highly diverse equity research franchise, while growing our strong, diversified investment bank.

We are growth-oriented, people-focused, and community-minded. As a team, we work to deliver value for our clients every day.

TD Securities is one of Canada's most active dealers in Debt and Equity products. CIB Credit is our team of in-house credit assessment professionals. This role works closely with Residential Mortgage Solutions Group Sales and Trading team. Our credit team is involved in the origination of business and responsible for the analysis, risk assessment and ongoing monitoring of these credit transactions with Canadian mortgage loan companies. At TD Securities, we believe that diversity is the key to our success in the competitive global marketplaces and we embrace people with a wide range of unique experiences and abilities.

Job Description

• Assists in the preparation of high-quality credit submissions as required for assigned Borrower accounts.
• Assists in overseeing and monitoring the performance of Borrowers and the mortgage portfolio to ensure compliance with all terms and conditions of the credit authorization, and to ensure that the risk ratings and structure of the credit facility for the assigned Borrowers are accurate.
• Conducts market, industry, and client research in support of the ongoing risk assessment process.
• Work with Vice President / Director and the Residential Mortgage Solutions Group (RMSG) to ensure their credit needs are being met.
• Work with Credit Risk Management, Retail Risk Management, TD Credit Quality Group, and TD Legal.
• Ability to prioritize and manage multiple deliverables, work independently, and manage internal and external relationships.
• Prepare credit reviews in accordance with policy requirements regarding Annual Reporting Dates and Interim Reporting Dates as well as product specific credit policies.
• Ensure that all credit reviews include sensitivity analysis appropriate for the risk at hand.
• Ensure that credit reviews include statement breakdowns using the Moody's Financial Analyst spreadsheet tool, and that they include a Moody's Risk Analyst analysis to support the risk rating assessment, where applicable.
• Monitor market and client developments, to ensure client risk ratings are accurate and reflect all relevant material information.
• Prepare and submit the Quarterly Confirmation of Internal Risk Ratings Report.
• Review daily, weekly, monthly and quarterly internal and covenant reporting. Investigate breaches and escalate concerns.
• Work with Vice President / Director to ensure that loan and security documentation reflects the details of the credit authorization.
• Identify and communicate credit risk issues, concepts, and solutions effectively.
• Work closely with assigned Vice President / Director in meeting team objectives.
  
  

Job Requirements

• Applicants should be well-organized, detail oriented and able to work under pressure and tight deadlines, establish priorities and work independently with minimal supervision.
• Superior financial and analytical skills.
• Strong verbal and written communication and problem-solving skills.
• Proactive and highly motivated. Able to work independently and in a team environment.
• Excellent knowledge of MS Excel
• Working knowledge of derivatives and credit products.
• 2+ years credit experience preferred.
• Bilingual (French/English) an asset.
• Mortgage credit experience an asset.
  
  

Who We Are:

TD Securities offers a wide range of capital markets products and services to corporate, government, and institutional clients who choose us for our innovation, execution, and experience. With more than 6,500 professionals operating out of 40 cities across the globe, we help clients meet their needs today and prepare for tomorrow. Our services include underwriting and distributing new issues, providing trusted advice and industry-leading insight, extending access to global markets, and delivering integrated transaction banking solutions. In 2023, we acquired Cowen Inc., offering our clients access to a premier U.S. equities business and highly-diverse equity research franchise, while growing our strong, diversified investment bank. We are growth-oriented, people-focused, and community-minded. As a team, we work to deliver value for our clients every day.

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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.

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

Seniority level

• Seniority level

  Entry level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

• Industries

  Investment Banking

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