Senior Credit Analyst

TD; Burnaby; On-site; CAD 80,000 - 95,000; Full time

Job summary

A leading financial institution in Canada is seeking a Senior Credit Analyst to manage portfolios and assess credit worthiness to drive profitable growth. The ideal candidate has over 7 years of relevant experience and strong skills in credit analysis, customer service, and risk assessment. This role involves developing credit solutions, monitoring customer relationships, and collaborating with various stakeholders. Competitive compensation and a dynamic work environment are offered.

Qualifications

• 7+ years of relevant experience in credit analysis or related fields.
• Expert level knowledge of credit and risk management.
• Ability to analyze complex credit risk and develop solutions.

Responsibilities

• Structure credit solutions to meet customer needs.
• Analyze credit risk and manage assigned portfolios.
• Collaborate with internal and external stakeholders.

Skills

Credit analysis

Customer service

Risk assessment

Relationship management

Market expertise

Education

Undergraduate degree

Job description

Description

Structure credit for assigned portfolios, with focus on assessing credit worthiness or risk of potential customers to drive profitable business growth while adhering to TD's credit risk policies. Based on industry knowledge, specialized credit acumen, and understanding of customer needs, Senior Credit Analysts are accountable for underwriting new credit requests, completing annual credit reviews, coordinating (or managing) draw requests, along with responsibilities for monitoring and controlling credit facilities.

CUSTOMER

• Structure and package competitive credit solutions in a timely manner to meet customer needs jointly with the Relationship Manager
• Continually deliver exceptional service at every interaction and execute on plans to continuously improve the customer experience
• Lead all aspects of credit analysis for an assigned portfolio
• Utilize sales platform to build a robust understanding of our customers / target needs, industries and markets
• Be an expert on market, industry 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
• Develop strong relationships with internal / external business partners and use these networks to provide specialized subject matter expertise and proactively manage customer relationships, including contributing to the identification and effective facilitation of reciprocal referrals
• Actively refer to other business partners across TDBG and respond effectively to reciprocal referrals.

SHAREHOLDER

• Assess complex credit risk in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets) to increase profitability and enable business growth
• Develop / implement strategies to 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
• Acquire and apply expertise in the role
• Provide guidance, assistance and direction to others
• Protect the interests of the organization – identify and manage risks, and escape 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
• Keep others informed and up to date about the status / progress of new requests and / or annual reviews and / or all relevant or useful information related to day‑to‑day activities
• 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

• Expert level professional role requiring substantial knowledge / expertise in a complex field and 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
• Collaborate with cross‑functional partners, acting as a subject matter expert in their field of specialty
• Interprets internal / external business challenges and the industry environment, recommends course of action and best practices to improve products, processes or services
• Independently manage end‑to‑end functional programs
• Solves or may lead others to solve complex problems; leads efforts or partners with others to develop new solutions
• Uses sophisticated analytical thought to exercise judgement and identify solutions
• Work is guided by policies and industry standards / methods
• Communicates difficult concepts; converts information to compelling business context and advice; influences and gains alignment across increasingly senior stakeholders
• Works independently with minimal management guidance and supervision
• Generally, reports to the Senior Manager, Credit Management

EXPERIENCE & EDUCATION

• Undergraduate degree and / or
• 7+ years of relevant experience