Credit Analyst-Jobs in Spanien

Work Location: Burlington, Ontario, Canada

Hours: 37.5

Line of Business: Risk Management

Pay Details: 76 800 / 76,800 - 115 200 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.

The TD Equipment Finance (TDEF) team is a Centre of excellence within TD Specialized Commercial Banking. Our mandate is to structure equipment financing (leases and loans) for business clients and prospects as an alternative to other conventional bank sources of financing such as term loans.

• Structure and package competitive credit solutions on time to meet customer needs. This involves preparing credit applications with a high quality of risk assessment (through credit bureau report, financial statement and previous borrowing history analyses), credit structure, due diligence, and credit presentation (with an emphasis on Transportation and construction equipment).
• Actively participate and contribute to the growth of the TDEF RAC/SBB portfolio.
• Deliver sound equipment financing expertise.
• Present unique, complex transactions to senior management team.
• Work with some of the most highly skilled individuals in the equipment finance industry.
• Continually deliver exceptional service at every interaction and execute on plans to continuously improve the customer experience.
• Contribute to business objectives for Operational Excellence.
• 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 product 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.

• Undergraduate degree and/or over 5 years of relevant experience.
• Expertise in credit risk assessment and ability to structure.
• Excellent analytical, judgement and decision-making skills.
• 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 skills with the ability to work in a demanding environment and handle multiple deadlines and priorities.
• Bilingualism (English and French) is required.

TD is one of the world\'s leading global financial institutions and is the fifth largest bank in North America by branches/stores. 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 committed to being a leader in customer experience. We believe all colleagues, no matter where they work, are customer facing. We build our business through regular leadership and development conversations, mentorship and training programs to support your goals. As an organization, we keep growing - and so will you.

Our Total Rewards package reflects investments 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 health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs.

We\'re delighted that you\'re considering building a career with TD. Through regular development conversations and training, we\'re committed to providing support to thrive at work and at home.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. Each province or territory within Canada may have its own regulations.

If you\'re interested in a specific career path or building certain skills, we will help you succeed through regular career, development, and performance conversations, access to an online learning platform, and mentoring programs to unlock future opportunities.

We provide training and onboarding sessions to ensure you have what you need to succeed in your new role.

We\'ll reach out to candidates of interest to schedule an interview and aim to communicate outcomes by email or phone.

Your accessibility is important. Please let us know if you would like accommodations to help you participate throughout the interview process.

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