Associate Senior Credit Analyst

at  TD Bank

JOB DESCRIPTION:

The Business Banking Credit Management team structures credit applications, providing review and analysis for all potential corporate and commercial deals for the Bank. Our professionals offer a full suite of customized credit and cash management solutions to meet the complex needs of our clients. We provide credit administrative and operational support and offer dedicated relationship coverage to the commercial clients. If you want to be a brand ambassador who can help strive efficiencies for the bank, then join our team and make an impactful contribution to TD and your own success.
For the position of Associate Senior Credit Analyst, you will be structuring credit for assigned portfolios and assessing credit worthiness of potential customers while adhering to TD’s credit risk policies. You will prepare credit reviews, approve draw requests and have responsibilities for monitoring and control for driving profitable business growth.

On a typical day at work, you will:

• Structure and package competitive credit solutions on time to meet customer needs
• Continually deliver exceptional service at every interaction and execute on plans to continuously improve the customer experience
• Lead all aspects of analysis for an assigned portfolio
• Ensure business operations are following applicable requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets) to increase profitability and enable business growth
• Develop and implement strategies to dedicatedly promote products, sales, services and banking capabilities
• Contribute to business objectives for Operational Excellence
• Integrate knowledge of the enterprise sub-function’s or business line’s overarching strategy in developing solutions across multiple functions or operations
• 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 thought leadership 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

Job Requirements :

• Undergraduate degree and/or over 7 years of relevant experience
• Substantial expertise in a complex field and knowledge of broader related areas
• Excellent analytical, judgement and decision-making skills in assessing and handling risk profile for team processes
• 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 and with the ability to work in a demanding environment and handle multiple deadlines and priorities

WHO WE ARE:

TD Securities offers a wide range of capital markets products and services to corporate, government, and institutional clients who choose us for our innovation, execution, and experience. With more than 6,500 professionals operating out of 40 cities across the globe, we help clients meet their needs today and prepare for tomorrow. Our services include underwriting and distributing new issues, providing trusted advice and industry-leading insight, extending access to global markets, and delivering integrated transaction banking solutions. In 2023, we acquired Cowen Inc., offering our clients access to a premier U.S. equities business and highly-diverse equity research franchise, while growing our strong, diversified investment bank. We are growth-oriented, people-focused, and community-minded. As a team, we work to deliver value for our clients every day.

Please refer the Job description for details