Senior Analyst - Credit Policy Reporting (3268)

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

Job summary

The Toronto-Dominion Bank is seeking a Senior Analyst to join their Counterparty Credit Risk team. This role focuses on analyzing and reporting risk exposures while ensuring compliance with internal policies. The successful candidate will exhibit strong analytical skills and lead initiatives for process improvements. This position offers opportunities for professional development and requires a solid understanding of financial products.

Benefits

Comprehensive health benefits

Professional development programs

Competitive retirement savings plan

Employee discounts

Mentorship opportunities

Qualifications

• Strong knowledge of financial products and counterparty credit risk.
• Experience with complex systems, performing impact assessments and testing.
• Self-starter with high initiative and ability to learn quickly.

Responsibilities

• Generate accurate reports measuring risk exposures as per guidelines.
• Ensure risks are correctly measured and documented within policies.
• Manage operational risk through effective documentation and cross-training.

Skills

Analytical skills

Attention to detail

Communication skills

Organizational skills

Interpersonal skills

Education

Degree in Finance or related field

CFA or FRM designation

Tools

Excel

SQL

VBA

Python

Job description

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 : Department Overview

The Capital Markets Risk Management (CMRM) area is part of the TD Bank Corporate Risk Management function. Our teams are accountable for the generation and monitoring of an independent view of the Profit and Loss Market Risk Counterparty Credit Risk Collateral and Valuation activities of The Banks global trading activities. We support trading and non-trading business initiatives inform an array of risk management decisions and facilitate business through managing evolving front office needs while ensuring appropriate capture and control of risk.

Within CMRM the Counterparty Credit Risk (CCR) team is responsible for a number of activities related to the quantitative analysis of credit risk policy implementations and exception management across a number of trading and non-trading businesses within TD Bank Group.

Job Description

A Senior Analyst within the Credit Policy Reporting team will primarily be focused on analysis reporting and monitoring of risk exposures ensuring that they are in accordance with established policy limits. The incumbent is expected to execute on infrastructure changes with regards to new or revised policies.

The role will involve close partnership and interaction with a wide range of areas including credit risk management global counterparty credit market risk control model development front office audit and change delivery. As a result the successful candidate will be required to possess strong communication skills.

The Senior Analyst Credit Policy Reporting would be accountable for the following core responsibilities but are not limited to :

Generate accurate and complete processes to measure and report on exposures ensuring that all reports are submitted as per reporting guidelines.

Ensure risks within portfolios covered are correctly measured aggregated and analyzed in accordance with established and approved risk policies limits.

Provide analysis reporting and monitoring of risk exposures and adhere to internal standards with regards to violations and the escalation of production issues.

Ensure that all late or missing reports and related process metrics are recorded documented and explained appropriately.

Propose schedule plan and champion projects to improve efficiencies in order to provide more effective business support.

Execute infrastructure changes with regards to implementation of new or revised policies or processes.

Ensure internal control processes are adequate and documented appropriately as per the governance standards including establishing appropriate review and assessment of the quality of outputs based on business standards.

Manage operational risk (e.g. cross-training documentation and audit).

Liaise closely with the Banks front office traders Credit Risk Management (CRM) Global Counterparty Credit (GCC) audit technology groups and other stakeholders to assist in meeting the Banks objectives.

Perform ad-hoc analyses of specific metrics / exposures / transactions as required by management and stakeholders.

Maintain a good understanding of the analytical principles underlying the risk management of financial derivatives including issues that arise regarding financial modeling of products for risk purposes

Investigate and analyze the results across respective business areas of the IHC

Complete monthly reconciliation to ensure accuracy of risk captured

In addition the Senior Analyst is expected to :

Establish an environment that promotes respect for individual employee and adheres to the policies and guidelines of the Bank.

Provide leadership direction advice and guidance to the team to consistently maintain high levels of integrity motivation and morale. This should encompass all aspects of people development including appropriate mentoring coaching and ongoing evaluation of staff performance and leadership skills.

Initiate actions to further improve your own and the teams skills and performance by continuously looking for opportunities for professional development.

Demonstrate TDs Leadership Profile in all professional and personal activities

Create and maintain an environment conducive to the timely identification and escalation of issues

Managing relationships with other areas including sharing knowledge and identifying opportunities to leverage complementary skills.

Job Requirements

Strong knowledge of financial products and counterparty credit risk.

Experience with Working with complex systems.

Experience with performing impact assessments drafting requirements and performing testing for projects.

Self-starter with a high degree of initiative and the ability to learn and adapt quickly

Strong analytical skills and attention to detail

Strong organizational follow-up and priority-setting skills to handle multiple tasks / projects

Self-motivated well organized able to work both independently and in a team environment

Strong interpersonal skills are required as the candidate will be called upon to demonstrate leadership in the team

Excellent verbal and written communication skills

Candidates with experience in Risk Management roles will be favourably positioned

Candidates with CFA and / or FRM designations will be favourably positioned

Technical skills (Excel / SQL / VBA / Python etc) will also be viewed favourably.

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.

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 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) :

Required Experience :

Senior IC

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 Salary : 76800 - 115200

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