JOB DESCRIPTION
- Assists in the preparation of credit submissions as required for assigned Borrower accounts, including interim client driven requests, annual reviews, and new underwriting requests.
- Assists in overseeing and monitoring the performance of Borrowers to ensure compliance with all terms and conditions of the credit authorization, and to ensure that the risk ratings for the assigned Borrowers are accurate.
- Conducts market, industry, and client research in support of the ongoing risk assessment process, including ongoing monitoring of client/industry news and developments.
- Coordinate with Corporate Banking in the preparation of term sheets, client presentations, and Loan Capital Committee analysis and documentation.
- Work with Vice President / Director and other product groups including Investment Banking, Cash Management, Foreign Exchange, Derivatives, Global Metals, and Global Trade Finance to ensure their credit needs are being met.
- Prepare credit reviews in accordance with minimum policy requirements regarding Annual Reporting Dates and Interim Reporting Dates.
- Ensure that all credit reviews include sensitivity analysis appropriate for the risk at hand.
- Ensure that credit reviews include statement breakdowns using the MFA spreadsheet tool, and that they include an MRA analysis to support the risk rating assessment, where applicable.
- Work with Vice President / Director to ensure that loan and security documentation reflects the details of the credit authorization.
- Review periodic compliance reporting, loan/product documentation (Credit Agreements, ISDAs), identify and communicate credit risk issues, legal concepts, and solutions effectively.
- Work closely with assigned Vice President / Director in meeting team objectives.
JOB REQUIREMENTS
- Applicants should be well-organized, detail oriented and able to work under pressure and tight deadlines, establish priorities and work independently with minimal supervision.
- Superior financial, financial modelling and analytical skills.
- Strong verbal and written communication, and problem-solving skills.
- Proactive and highly motivated. Able to work independently and in a team environment.
- Excellent knowledge of MS Excel.
- At least 3 years relevant experience, preferably in a corporate banking or commercial banking environment.
- Open to both experienced analysts and associates.
- CFA designation and/or MBA are an asset
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.
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