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.
Job Description :
For the position of 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 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