JOB DESCRIPTION:

The Risk Officer II develops and recommends appropriate credit risk standards related to credit card portfolios and other credit related activities. In conjunction with senior management and typically a firm-wide Credit Committee, Credit Card Risk Officer formulates and/or manages the firm’s portfolio risk management policies including, but not limited to: acquisitions, line assignment, and existing account management. The job staffs, monitors existing and potential credit exposure, and implements measures to attain portfolio risk goals. The Risk Officer II analyzes and evaluates credit risks resulting from underlying demographics of portfolio (geographic, demographic, income, and other macro-economic variables). This job recommends and implements credit enhancement on an as-needed basis, either directly, or in conjunction with Risk Analytics/Modeling, may be responsible for development and evaluation of credit risk management models. This job also provides a broad range of risk analysis, reporting and/or support to business partners and acts as a specialist/expert in providing guidance/advice on a range of risk related matters within assigned or own area of specialization.

EDUCATION & EXPERIENCE:

• Bachelor’s degree
• 3-5 Years of related experience
• 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
• Working knowledge of SAS Enterprise Miner, FICO Model Builder or Angoss Knowledge Seeker
• 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

PREFERRED QUALIFICATIONS:

• Strong analytical and problem solving skills
• Experience with the use of Relational Databases and the process of Extract Transform Load (ETL) using common languages such as SQL or SAS
• Experience with various analytical or reporting tools, such as SAS, Python, R, Knowledge Seeker Matlab Tableau, etc.
• Proficient PC skills including a strong competency in MS Excel and PowerPoint, and a variety of PC-based analytical and reporting software packages
• Strong analytical and problem solving skills are required to interpret data and draw conclusionsExperience in data modeling and risk management

PHYSICAL REQUIREMENTS:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel – Occasional
• International Travel – Never
• Performing sedentary work – Continuous
• Performing multiple tasks – Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds – Occasional
• Sitting – Continuous
• Standing – Occasional
• Walking – Occasional
• Moving safely in confined spaces – Occasional
• Lifting/Carrying (under 25 lbs.) – Occasional
• Lifting/Carrying (over 25 lbs.) – Never
• Squatting – Occasional
• Bending – Occasional
• Kneeling – Never
• Crawling – Never
• Climbing – Never
• Reaching overhead – Never
• Reaching forward – Occasional
• Pushing – Never
• Pulling – Never
• Twisting – Never
• 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 – Continuous

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.

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.

Please refer the Job description for details