Credit Analyst II, Franchise Banking Group

TD; Toronto; On-site; CAD 82,000 - 115,000; Full time

Job summary

TD’s Franchise Banking Group in Toronto seeks a Credit Analyst to evaluate franchise portfolios, conduct program reviews, and structure lending terms in line with risk appetite.

You will analyze data with Power BI dashboards, maintain reporting, and develop Excel tools to improve efficiency, working with franchisors, branches, and internal partners.

This role emphasizes collaboration, accuracy, and timely service, with opportunities for growth and development within the TD Bank.

Qualifications

• Knowledge and experience in Commercial Credit.
• Ability to analyze data and translate it into insights.
• Strong Excel capabilities including formulas, pivots, and macros (VBA).

Responsibilities

• Complete new and annual program credit reviews.
• Monitor portfolio and franchise-system performance with dashboards.
• Maintain franchise database, dashboards and reporting with data quality.
• Develop Excel-based tools to improve credit analysis and reporting.
• Collaborate with franchisors, franchisees, and internal teams to resolve inquiries.

Skills

Commercial Credit

Data analysis

Power BI

Excel

Tools

Power BI

Excel

VBA

PowerPoint

Word

Job description

Work Location:Toronto, Ontario, CanadaHours:37.5Line of Business:Credit ManagementPay Details:$81,600 - $115,200 CADTD 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:Department Overview.The Franchise Banking Group is a dynamic team responsible for delivering competitive products and services to franchisee customers of TDBFG. The Franchise Banking Group reports into the Commercial Advisory Service team within TD Business Banking and is responsible for growing the Bank's Franchise Banking portfolio with high-quality franchise systems. Reporting to the Senior Manager, Credit & Business Initiatives, Franchise Banking, the credit analyst has the responsibility to ensure that credit quality of the overall franchise portfolio at TD remains within TD's risk appetite.The Analyst, Franchise Banking supports the Bank’s franchise programs with franchisors that are considered large commercial or junior corporate clients, spanning all industry sectors with the portfolio of franchise customers domiciled in both Small Business and Commercial segments. The position reports to the Senior Manager, Credit & Business Initiatives, Franchise Banking.The Analyst is responsible for:Completing both new and annual program credit reviews, structuring programs to reflect Bank lending requirements (both Small Business and Commercial), risk appetite, and customer and franchisor needs.Monitoring and analyzing portfolio and franchise-system performance using Power BI dashboards and management reporting to identify emerging risks, negative trends, exceptions, concentrations, and opportunities, and providing decision-ready insights and recommendations to management.Maintaining the franchise database, Power BI dashboards, and recurring management reporting, including performing data validation, reconciliation, and quality-control activities to ensure information is accurate, complete, and reliable.Developing and enhancing Excel-based tools, models, macros, and other automated solutions to improve the efficiency and accuracy of credit analysis, portfolio monitoring, and reporting, while maintaining appropriate procedures and controls.Working with franchisors, franchisees, branches, and internal partners to resolve inquiries, address issues, and deliver timely, consistent service and reporting.Participating in franchisor visits and assisting the Origination Team in cross selling the full range of products and services to existing and new franchisors.Supporting the submission and implementation of new policies and guidelines within the Franchise Banking Group.Job RequirementsKnowledge and experience in Commercial Credit, ideally as an Analyst or Account Manager; Small Business Banking credit experience would be an asset.Strong analytical, problem-solving, and data-management skills, with close attention to detail and the ability to translate complex information and large datasets into meaningful business and risk insights.Highly motivated, organized, and results-oriented self-starter with the ability to work independently and collaboratively within a team.Excellent interpersonal, written, and verbal communication skills, including strong credit writing and the ability to present complex analysis and recommendations clearly and concisely.Proficiency in Microsoft Excel, including complex formulas, pivot tables and macros/VBA, together with proficiency in Microsoft PowerPoint and Word.Familiarity with Power BI dashboards and reporting would be viewed as 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 PackageOur 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 moreAdditional 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 DevelopmentIf 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 & OnboardingWe will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.Interview ProcessWe’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.AccommodationYour 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