Credit Analyst

Work Location:

Hours:

Line of Business:

Pay Details:

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 candidates 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.

Job Description:

TD Business Banking provides financial products and services to business customers and is comprised of the following businesses: Commercial Banking Commercial National Accounts Commercial Mortgage Group National Real Estate Group Agriculture Services and Small Business Banking

Operating as a part of the Business Bank the Small Business Credit center is comprised of a team of Group Managers credit analysts and credit managers focused on delivering timely credit decisions to our partners in the retail network right across the country. We strive to deliver first time right credit decisions with a focus on growing market share while at the same time managing our risk appetite and regulatory framework. Our vision is to innovate and invest to deliver legendary value with speed. How we execute against that vision is to leverage our enterprise scale process expertise and lean disciplines to efficiently deliver capabilities while supporting our partners to effectively compete in the markets that they serve as a legendary One TD team.

As a Credit Analystyour role is to adjudicate/underwrite credit applications for Small Business requests while continuing to develop excellent customer service skills and delivering a legendary customer experience to our partners.

• Optimize credit opportunities by assisting partners in adjudicating structuring packaging and authorizing credits

• Maintain good relationships with partners including responding to questions and concerns

• Contribute to operational improvements to streamline procedures/processes and enhance service

• Protect the interests of the Bank by ensuring credit is being adjudicated in accordance with assigned discretionary limits and established guidelines

• Perform due diligence in support of all credit applications

• Escalate with recommendation those credit applications that exceed discretionary limits and established guidelines

• Strong credit acumen- Subject Matter Expert with knowledge of credit adjudication and analysis

• Strong knowledge of various Adjudication platforms

• Advanced knowledge of products end-to-end processes and systems

• Ability to identify and investigate non-standard operational / reporting / process issues

• Moderate to High level of complexity in operational / reporting / process and/or analysis

• Moderate to High credit limit authorization required for credit adjudication

• Experience in adjudication of complex credit applications involving multiple step transactions / processes / activities that may involve numerous systems and range in complexity from medium to high

• Ability to identify and investigate non-standard operational / reporting / process issue

• Ability to provide training to others on best practices processes etc. as well as guide mentor other team members for the completion of business

The successful applicant must have previous credit manager experience strong credit acumen and has held credit limits.

• Previous adjudication experience strong credit acumen and has experience holding credit limits in a previous role

• Experience in an exception lending environment

• Above average analytical skills strong aptitude for problem solving organization and planning

• Proven ability to deliver on Customer Experience goals

• Strong aptitude for risk

Skills Category:

• Analytical Skills

• Presentation Skills

• Business Intelligence

• Organized detail oriented and ability to multi task effectively

• Research

• Time management

• Negotiation Skills

• Relationship Management

• Effective Communication

• Interpersonal Skills

• Computer Skills

Who We Are:

TD is one of the worlds 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 95000 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 youve 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 were here to support you towards your goals. As an organization we keep growing and so will you.

Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial physical and mental well-being goals. Total Rewards at TD includes a base salary variable compensation and several other key plans such as health and well-being benefits savings and retirement programs paid time off banking benefits and discounts career development and reward and recognition programs. Learn more

Additional Information:
Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were committed to providing the support our colleagues need to thrive both at work and at home.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations requirements.

Colleague Development
If youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll have regular career development and performance conversations with your manager as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience or you want to coach and inspire your colleagues there are many different career paths within our organization at TD and were committed to helping you identify opportunities that support your goals.

Training & Onboarding
We will provide training and onboarding sessions to ensure that youve got everything you need to succeed in your new role.

Interview Process
Well reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation
Your accessibility is important to us. Please let us know if youd like accommodations (including accessible meeting rooms captioning for virtual interviews etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!

Language Requirement (Quebec only):