Credit Analyst II- Commercial Banking

The Toronto-Dominion Bank; Kitchener; On-site; CAD 76,000 - 116,000; Full time

Job summary

A leading financial institution in Kitchener is seeking a Credit Analyst II to join their Business Banking Credit Management team. In this role, you will assess credit worthiness, prepare credit reviews, and support relationship managers. Ideal candidates have an undergraduate degree, relevant experience, and strong analytical skills. The position offers competitive compensation ranging from $76,800 to $115,200 CAD annually, along with a robust rewards package.

Benefits

Health and well-being benefits

Career development programs

Competitive salary

Mentorship programs

Qualifications

• Undergraduate degree and / or over 5 years of relevant experience.
• In-depth expertise in own domain and working knowledge of broader related areas.
• Proficient in using Windows and MS Office Suite (Word, Excel, PowerPoint, and Outlook).
• Strong communications and organizational skills with the ability to multi-task and adapt to change in a dynamic fast-paced environment.
• A high-energy individual who can be detail oriented and exercise initiatives with minimal discretion.

Responsibilities

• Support the Relationship Manager in booking new business by preparing competitive credit packages.
• Deliver exceptional customer service at every interaction.
• Lead all aspects of analysis for an assigned portfolio.
• Assess credit risk in compliance with applicable internal and external requirements.
• Promote products, sales, services, and banking capabilities.

Skills

Financial Statement Preparation

Credit Analysis

Cash Flow Analysis

Math

Banking

Analysis Skills

UCC Law

Underwriting

Financial Analysis

Financial Modeling

Financial Report Interpretation

Word Processing

Education

Undergraduate degree

Tools

Windows

MS Office Suite

Job description

Work Location : Kitchener Ontario Canada

Hours : 37.5

Line of Business : Credit Management

Pay Details : 76800 - $115200 CAD

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 candidates 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 :

The Business Banking Credit Management team structures credit applications providing review and analysis for all potential corporate and commercial deals for the Bank. Our professionals offer a full suite of customized credit and cash management solutions to meet the complex needs of our clients. We provide credit administrative and operational support and offer dedicated relationship coverage to the commercial clients. If you want to be a brand ambassador who can help strive efficiencies for the bank then join our team and make an impactful contribution to TD and your own success.

Can you structure credit for assigned portfolios and assess credit worthiness of potential customers? If so then apply for the position of Credit Analyst II. You will prepare credit reviews approve draw requests and have responsibilities for monitoring and control for driving profitable business growth while adhering to TDs credit risk policies. Furthermore you will :

• Support the Relationship Manager in booking new business by preparing competitive credit packages in the assigned business segment on time 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 an assigned portfolio
• Assess credit risk in compliance with applicable internal and external requirements (e.g. financial controls segregation of duties risk policies) to increase profitability and enable business growth
• Dedicatedly promote products sales services and banking capabilities
• Contribute to business objectives for Operational Excellence
• Integrate the broader organizational context into advice and solutions within own area
• Understand the industry competition and the factors that differentiate the organization
• Participate fully as a member of the team support a positive work environment that promotes service to the business quality innovation and collaboration and ensure timely communication of issues / points of interest
• Provide thought leadership and industry knowledge for own area of expertise and participate in knowledge transfer within the team and business unit
• Keep current on emerging trends and developments and grow knowledge of the business related tools and techniques

Job Requirements :

• Undergraduate degree and / or over 5 years of relevant experience
• In-depth expertise in own domain and working knowledge of broader related areas
• Proficient in using Windows and MS Office Suite (Word Excel PowerPoint and Outlook)
• Strong communications and organizational skills with the ability to multi-task and adapt to change in a dynamic fast-paced environment
• A high-energy individual who can be detail oriented and exercise initiatives with minimal discretion

Who We Are :

TD is one of the worlds leading global financial institutions and is the fifth largest bank in North America by branches / stores. Every day we deliver legendary customer experiences to over 27 million households and businesses in Canada the United States and around the world. More than 95000 TD colleagues bring their skills talent and creativity to the Bank those we serve and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers communities and colleagues.

TD is deeply committed to being a leader in customer experience that is why we believe that all colleagues no matter where they work are customer facing. As we build our business and deliver on our strategy we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether youve got years of banking experience or are just starting your career in financial services we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs were here to support you towards your goals. As an organization we keep growing and so will you.

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 :

Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development

If youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll 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 were committed to helping you identify opportunities that support your goals.

Training & Onboarding

We will provide training and onboarding sessions to ensure that youve got everything you need to succeed in your new role.

Interview Process

Well 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 youd 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

Required Experience :

Key Skills

• Financial Statement Preparation
• Credit Analysis
• Cash Flow Analysis
• Math
• Banking
• Analysis Skills
• UCC Law
• Underwriting
• Financial Analysis
• Financial Modeling
• Financial Report Interpretation
• Word Processing

Employment Type : Full-Time

Experience : years

Vacancy : 1

Monthly Salary : 76800 - 115200