Senior Credit Analyst

TD Bank; Ontario; On-site; CAD 91,000 - 137,000; Full time

Job summary

Join a leading global financial institution as a Senior Credit Analyst, where you will play a pivotal role in structuring credit solutions and assessing credit worthiness. This position offers the chance to work in a dynamic environment, ensuring exceptional service and driving profitable growth. With a strong focus on professional development, you'll have the opportunity to enhance your skills and contribute to innovative solutions that meet the complex needs of clients. Be part of a team that values collaboration, excellence, and continuous improvement in the banking sector.

Benefits

Health and Well-Being Benefits

Savings and Retirement Programs

Paid Time Off

Career Development Programs

Banking Benefits and Discounts

Qualifications

• Undergraduate degree and/or over 7 years of relevant experience required.
• Substantial expertise in a complex field with knowledge of broader areas.

Responsibilities

• Structure and package competitive credit solutions on time.
• Lead analysis for assigned portfolio and ensure compliance with requirements.

Skills

Analytical Skills

Decision-Making

Communication Skills

Organizational Skills

Education

Undergraduate Degree

7+ Years of Relevant Experience

Tools

MS Office Suite

Productivity Tools

Job description

Work Location:

Markham, Ontario, Canada

Hours:

37.5

Line of Business:

Credit Management

Pay Details:

$91,200 - $136,800 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 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:

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.

Job Description :

For the position of Senior Credit Analyst, you will be structuring credit for assigned portfolios and assessing credit worthiness of potential customers while adhering to TD's credit risk policies. You will prepare credit reviews, approve draw requests and have responsibilities for monitoring and control for driving profitable business growth.

On a typical day at work, you will:

· Structure and package competitive credit solutions on time to meet customer needs

· Continually deliver exceptional service at every interaction and execute on plans to continuously improve the customer experience

· Lead all aspects of analysis for an assigned portfolio

· Ensure business operations are following applicable requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets) to increase profitability and enable business growth

· Develop and implement strategies to dedicatedly promote products, sales, services and banking capabilities

· Contribute to business objectives for Operational Excellence

· Integrate knowledge of the enterprise sub-function’s or business line’s overarching strategy in developing solutions across multiple functions or operations

· Interpret internal and external business challenges and the industry environment, recommend course of action and standard methodologies to improve products, processes or services

· 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 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 7 years of relevant experience

• Substantial expertise in a complex field and knowledge of broader related areas

• Excellent analytical, judgement and decision-making skills in assessing and handling risk profile for team processes

• Proficient in using MS Office Suite, productivity tools and end-user software

• A dynamic professional with a positive approach and strong communications skills to liaise with cross functional teams and colleagues

• Robust organizational and with the ability to work in a demanding environment and handle multiple deadlines and priorities

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 deliver legendary customer experiences to 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 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 you’ve 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, we’re 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 (http://www.td.com/ca/en/about-td/who-we-are/benefits-of-working-at-td)

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. 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 we’re committed to helping you identify opportunities that support your goals.

Training & Onboarding

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

Interview Process

We’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.

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.

We look forward to hearing from you!

Language Requirement (Quebec only):

Sans Objet

Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.