Associate / VP CIB Credit

TD Global Finance Unlimited Company; Dublin; On-site; EUR 90,000 - 130,000; Full time

Job summary

TD Bank Group in Dublin seeks an Associate to perform fundamental credit analysis on large global corporate clients across industries, supporting underwriting, monitoring, and risk management within TDGF and TD’s European platform.

The role offers exposure to complex financings, portfolio management, and interaction with senior stakeholders. Ideal candidates have corporate banking credit experience and strong analytical, communication, and technical skills.

Qualifications

• Bachelor's/University degree or equivalent; CFA, ACT or accounting designation is a plus.
• Strong understanding and experience of credit and wholesale banking products.
• Sound planning, organizational, verbal and written communication.
• Strong business and financial analytical skills.
• Proficiency with MS Office applications.

Responsibilities

• Lead and prepare high-quality credit analysis and recommendations for borrower relationships, including annual reviews and new underwriting opportunities.
• Assess creditworthiness of large corporates through financial statement analysis, cash flow assessment and industry evaluation.
• Monitor TDGF’s loan portfolio for compliance with credit authorizations and covenant requirements.
• Prepare credit reviews and maintain internal risk ratings (PD and LGD).
• Conduct market, industry, and company research to support underwriting and portfolio management.
• Review credit agreements, security packages, and ISDA documentation to ensure proper risk mitigants.
• Identify and communicate key risk factors and provide practical solutions.
• Collaborate with corporate banking coverage, investment banking, and other product partners to structure financing solutions.
• Support underwriting and execution of revolving facilities, term loans, and acquisition financings.
• Prepare term sheets, committee materials, and client presentations with clear risk and return messaging.
• Build relationships with risk, legal, operations, and finance teams to enable timely decisions.
• Contribute to strategic growth initiatives of TDGF and TD’s European platform.

Skills

Corporate banking credit

Credit/wholesale banking

Planning & organization

Analytical skills

Verbal & written communication

Work ethic

Teamwork

Client engagement

Education

Bachelor's degree or accounting designation

Tools

MS Office (Word/Excel/PowerPoint)

Job description

Work Location: Dublin, Ireland Hours: 35 Line of Business: TD General Base Pay Details: 1 - 1 GBP TD is committed to providing fair and competitive total compensation opportunities to all colleagues. Total compensation is inclusive of the base pay details listed above and opportunity for a variable compensation award specific to this role. 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 Associate will perform fundamental credit analysis on large global corporate clients across a broad range of sectors, including but not limited to Industrials, TMT, Infrastructure, Transportation, Utilities, and Natural Resources. Working at the centre of TD’s European Corporate & Investment Banking platform, the role offers exposure to complex financings, investment grade and leveraged lending transactions, portfolio management, and direct engagement with senior stakeholders across the bank. The Associate will play a critical role in underwriting, monitoring, and managing credit risk for a diverse portfolio of multinational clients while contributing to the continued growth and strategic development of TD Global Finance (TDGF) and TD’s European franchise.

Specific Responsibilities:

• Lead and prepare high-quality credit analysis and recommendations for assigned borrower relationships, including annual reviews, interim credit requests, new underwriting opportunities, amendments, waivers, and refinancings, while supporting presentations to the TDGF Credit Risk Committee.
• Assess the creditworthiness of large corporates through detailed financial statement analysis, cash flow assessment, business and industry evaluation, peer benchmarking, capital structure analysis, and downside scenario testing.
• Oversee and monitor the performance of TDGF’s loan portfolio, ensuring ongoing compliance with approved credit authorizations, covenant requirements, regulatory expectations, and internal risk management standards.
• Prepare annual and interim credit reviews in accordance with TD policies and regulatory requirements, including the determination and maintenance of accurate internal risk ratings reflecting probability of default (PD) and loss given default (LGD).
• Conduct in-depth market, industry, and company research to support underwriting and portfolio management activities, identifying emerging risks, industry trends, credit events, and opportunities that may impact the portfolio.
• Review and analyse credit agreements, security packages, ISDA documentation, and other financing arrangements to ensure legal documentation appropriately reflects approved transaction structures and risk mitigants.
• Identify, evaluate, and communicate key credit, structural, legal, and execution risks, while developing practical solutions and recommendations that support both risk management objectives and client needs.
• Partner closely with Corporate Banking Relationship Coverage, Investment Banking, Debt Capital Markets, Global Markets, Treasury, Global Trade Finance, Cash Management, and other product partners to structure and execute financing solutions for corporate clients.
• Support the underwriting and execution of a wide range of transactions, including revolving credit facilities, term loans, acquisition financings, bridge facilities, and other strategic lending opportunities.
• Prepare transaction analyses, term sheet reviews, committee materials, and client presentations, ensuring key risks, mitigants, and return metrics are clearly documented and articulated.
• Build strong working relationships with internal stakeholders across business, risk, legal, operations, and finance functions to facilitate effective credit decision-making and transaction execution.
• Actively contribute to the strategic development, growth initiatives, and business planning activities of TDGF and TD’s European Corporate & Investment Banking platform.
• Participate in TDGF Credit Risk Committee discussions, providing thoughtful analysis and insights on borrower performance, portfolio developments, and new underwriting opportunities.
• Prepare management reporting and portfolio analytics for senior management, governance committees, regulators, and other stakeholders on both a scheduled and ad hoc basis.
• Maintain strong relationships and regular engagement with Risk Management, senior credit executives, and business partners to ensure alignment on risk appetite, portfolio trends, and strategic objectives.
• Stay current on economic, market, regulatory, accounting, and legal developments affecting corporate borrowers and credit markets.
• Demonstrate strong governance, control, and risk management behaviours consistent with TD’s risk culture, policies, and regulatory obligations.
• Support, mentor, and develop junior team members, fostering technical credit skills, sound judgement, and professional growth in line with TD’s leadership framework.

Requirements:

• Relevant experience in corporate banking credit at Associate level.
• Bachelor's/University degree or equivalent - CFA, ACT or an accounting designation is considered an asset.
• Sound understanding and experience of credit and wholesale banking products.
• Strong planning, organizational, verbal and written communication skills.
• Strong business and financial analytical skills.
• Sound knowledge of MS Office applications (Word/Excel/PowerPoint).
• Strong work ethic and commitment to business goals and high professional standards.
• Ability to work effectively in both independent and team environments.

Who We Are

TD Securities 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 Package

Our Total Rewards package reflects the investment we make in our colleagues to help them, and their families achieve their well-being goals. Total Rewards at TD includes a base salary and several other key plans such as health and well-being benefits, including medical coverage, paid time off, career development, and reward and recognition programs.

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.

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.

Training & Onboarding

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

Our Values

At TD we’re guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture.

Our Commitment to Diversity, Equity, and Inclusion

At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.

Helping to Make an Impact in Communities – TD Ready Commitment

TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities.

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