Commercial Credit Analyst

TD Bank Group; Calgary; On-site; CAD 90,000 - 130,000; Full time

Benefits offered by this job

Total Rewards package

Job summary

TD Auto Finance (TDAF), part of TD Business Banking, invites you to join a high‑performing team serving auto dealerships across Canada. You will support the Relationship Manager by preparing competitive credit packages and delivering exceptional service, while building deep customer insights and contributing to revenue growth.

You will lead portfolio analysis, respond to market changes, and collaborate across Commercial Sales, Credit, and Operations to optimize risk and profitability.

Qualifications

• Business degree or MBA; other undergrad accepted.
• 5+ years of relevant credit/finance experience.
• Strong financial statement acumen and analytics.
• Proficient in Windows and MS Office.
• CFA designation or progress is asset.

Responsibilities

• Lead analysis for assigned portfolios.
• Prepare competitive credit packages for new business in assigned segment.
• Assist Relationship Manager in cross-selling the full range of products.
• Assess credit risk in line with policies to drive profitability and growth.
• Promote banking products and services to clients and partners.
• Ensure due diligence and risk controls for customer transactions.

Skills

5+ years of relevant experience

Financial statement acumen

Strong analytical skills

Proficient in Windows and MS Office

CFA designation asset

Education

Business Degree (BComm or MBA), other undergraduate degree

Tools

MS Office Suite (Word, Excel, PowerPoint, Outlook)

Job description

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 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
• Actively 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 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 elevate 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
• EMPLOYEE / 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 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
• Contribute 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 workforce

BREADTH & DEPTH

• 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
• Acts as a subject matter expert within their own area of specialty or a resource for others
• Contributes to set standards within area of expertise
• 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 level
• Build stakeholders alignment when structuring credit requests
• Work performed under moderate guidance and supervision from management
• Identifies and leads problem resolution for complex issues at all levels
• Generally, reports to the Senior Manager, Credit Management

EXPERIENCE & EDUCATION

• Business Degree (BComm or MBA), other undergraduate degree
• 5+ years of relevant experience and/or Associate Program
• Financial statement acumen and strong analytical skills (will be assessed during the interview process)
• Prior financial modeling experience considered a strong asset
• Strong communications and organizational skills with the ability to multi-task and adapt to change in a dynamic fast-paced environment
• Ability to work both independently and in a team environment
• A high-energy individual who can be detail oriented and exercise initiatives with minimal direction
• Proficient 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 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.

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 | FAQ

Our 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