Risk Manager I-CDPP Credit Risk Management

TD Bank, N.A.; Wilmington (DE); Sur place; USD 120 000 - 146 000; Plein temps

Résumé du poste

TD Bank, N.A. is seeking a Risk Manager I in Wilmington, DE to lead risk segmentation initiatives, analyze data, and validate risk strategies within TD risk appetite and regulatory guidelines.

You will create and implement risk policies, oversee MIS reporting, and support senior management with data-driven decisions. The role requires a Bachelor's degree and 5+ years of experience in risk management, with strong Excel, SQL/SAS, and BI tool proficiency.

Qualifications

• Bachelor's degree required; Graduate degree preferred.
• 5+ years' experience required.
• Proficient PC skills including a strong competency in MS Excel and PowerPoint, and a variety of PC-based analytical and reporting software packages.
• Experience with Relational Databases and ETL using SQL or SAS.
• Familiar with analytical/reporting tools such as SAS, R, Matlab, Tableau.

Responsabilités

• Governance, control and risk management in alignment with TD policies.
• Identify, develop and implement risk initiatives and operating workflows.
• Lead cross-functional teams or special projects as needed.
• Produce reports using quantitative methods and MIS to cguide senior management.
• Communicate issues timely and collaborate with internal and external groups.

Connaissances

MS Excel

PowerPoint

SQL

SAS

Python

R

Tableau

Data analysis

Formation

Bachelor's degree

Graduate degree

Outils

Relational Databases

ETL (SQL/SAS)

SAS software

Matlab

Description du poste

Work Location

Work Location: Wilmington, Delaware, United States of America

Hours

Hours: 40

Pay Details

Pay Details: $120,000 - $145,600 USD

Line of Business

Line of Business: Risk Management

Job Description

The Risk Manager I manages the creation, implementation and validation of various risk segmentation strategies including, but not limited to: adjudication, account management, exposure management, risk segmentation, and financial return optimization. This job provides critical information, interpretative, and detailed analysis, and deploys critical credit risk rational strategies that ensure the decisions are made within the TD risk appetite and adhere to all governmental requirements and guidelines. The Risk Manager I's primary accountability is providing a comprehensive and diverse range of risk management expertise. The Risk Manager I investigates, creates, implements and validates various risk segmentation strategies and policies using complex data, advanced analytical approach, and business intelligence tools.

Depth & Scope

Demonstrates governance, control and risk management behaviors in alignment with TD policies and practices Leads/participates in the identification, development and implementation of new initiatives, operating workflow, additional services/applications or operational efficiencies including potentially leading special project teams or cross functional work groups Assists with developing and enhancing credit risk assessment capabilities to identify and maintain good business opportunities with new and existing clients Performs detailed analysis and interprets information to make recommendations to Senior Management on critical strategies including non-standard and ad-hoc requests as determined by management Creates reports on the results of implemented strategies, using all appropriate quantitative methods and MIS, and makes recommendations to increase efficiencies and revenue while managing credit risk and produce those reports on a regular basis Effectively works cross-functionally with teams outside of risk Works with Internal Audit / External Regulators, to ensure that documentation for all work processes is complete and up-to-date Ensures sound credit control by taking a pro-active approach to risk management within the risk guidelines of the Bank Ensures the timely communication of issues that are relevant to the team and encourages a good working relationship with other internal and external groups

Education & Experience

Bachelor's degree required; Graduate degree preferred 5+ years' experience required Proficient PC skills including a strong competency in MS Excel and PowerPoint, and a variety of PC-based analytical and reporting software packages Experience with the use of Relational Databases and the process of Extract Transform Load (ETL) using common languages such as SQL or SAS Familiar with various analytical or reporting tools, such as SAS, R, Matlab Tableau, etc. Strong analytical and problem solving skills are required to interpret data and draw conclusions Experience in data modeling and risk management either from a business administration, statistical, mathematical, scientific or financial background Excellent written and verbal communication skills Experienced in developing and presenting recommendations to Senior Management

Preferred Qualifications

Advanced experience in SQL, SAS, and Python Credit Risk Management experience Experience in modeling Advanced data analytics experience Cross-functional collaboration Experience with AI Masters in economics, finance, and/or statistics

Physical Requirements

• Never: 0%;
• Occasional: 1-33%;
• Frequent: 34-66%;
• Continuous: 67-100%;
• Domestic Travel – Occasional
• International Travel – Occasional
• Performing sedentary work – Frequent
• Performing multiple tasks – Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds – Frequent
• Sitting – Continuous
• Standing – Occasional
• Walking – Occasional
• Moving safely in confined spaces – Occasional
• Lifting/Carrying (under 25 lbs.) – Occasional
• Lifting/Carrying (over 25 lbs.) – Occasional
• Squatting – Occasional
• Bending – Occasional
• Kneeling – Occasional
• Crawling – Never
• Climbing – Never
• Reaching overhead – Occasional
• Reaching forward – Occasional
• Pushing – Occasional
• Pulling – Occasional
• Twisting – Occasional
• Concentrating for long periods of time – Continuous
• Applying common sense to deal with problems involving standardized situations – Continuous
• Reading, writing and comprehending instructions – Continuous
• Adding, subtracting, multiplying and dividing – Frequent

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

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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 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 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 base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.

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. If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

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

TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.

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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.

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. Learn more: Canada | US | Europe & Asia Pacific