Risk Manager I (US)-Acquisitions Credit Risk

TD Bank; Wilmington (DE); Presencial; USD 120.000 - 136.000; Jornada completa

Descripción de la vacante

TD Bank in Wilmington, Delaware seeks a Risk Manager I to oversee risk segmentation, reporting, and advisory work. You will lead cross-functional projects, develop risk strategies, and deliver data-driven insights to senior leadership.

The role requires strong SQL/SAS skills, advanced Excel, and experience with ETL processes, relational databases, and BI tools. Travel is occasional, with a focus on compliance and governance.

Formación

• Bachelor's degree required; Graduate degree preferred.
• 5+ years' experience required.
• Strong PC skills including MS Excel and PowerPoint, plus analytical software.
• Experience with SQL or SAS and ETL processes.
• Familiar with relational databases and BI tools such as Tableau or similar.

Responsabilidades

• Governance, control and risk management in line with TD policies.
• Lead initiatives and cross-functional teams to improve processes.
• Develop and implement credit risk assessment capabilities.
• Analyze data, generate reports and present recommendations to senior management.
• Collaborate with Internal Audit/Regulators and other groups as needed.

Conocimientos

Excel proficiency

PowerPoint

SQL

SAS

Analytical thinking

Educación

Bachelor's degree

Graduate degree

Herramientas

Relational databases

ETL (SQL/SAS)

Tableau / BI tools

R / Matlab

Descripción del empleo

Work Location:

Wilmington, Delaware, United States of America

Hours:

40

Pay Details:

$120,000 - $136,240 USD

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.

Line of Business:

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 coding experience (SQL, SaaS, Python)
• Experience in financial services and/or banking
• Experience in credit risk

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 invol