Senior Credit Analyst, TD Auto Finance (ATHN 118)

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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:

Department Overview

TD Auto Finance (TDAF) is a dynamic division within TD Bank offering an exciting opportunity to join a rapidly growing business with Automotive Banking Centers located in Toronto Calgary and Montreal. Led by regional Market Leaders our team of commercial bankers is dedicated to providing bespoke financing and cash management solutions to our clients within the automotive dealership industry in Canada.

The TDAF Commercial team specializes in lending to auto dealers across the country delivering comprehensive solutions to meet their banking needs. Our credit exposure spans real estate and acquisition financing operating credit floor plan financing lease lines and equipment finance. Transactions can vary significantly in size and complexity ranging from approximately $15 million for small single-location dealers to over $500 million for large dealer groups.

Our goal at TDAF is to become Canadas number one auto lender. We are a robust team of over 900 professionals including an external sales team located coast to coast as well as teams in credit adjudication funding inside sales loan administration customer service collections and recovery and our federated functions of risk management technology solutions finance and human resources.

Job Description

The Senior Credit Analyst plays a pivotal role in providing dedicated credit management support to a Senior Relationship Manager and offers comprehensive support to the credit team acting as a mentor to junior colleagues. Reporting to a Senior Manager in the TDAF Credit Management group the Senior Credit Analysts responsibilities include:

• Supporting the Senior Relationship Manager in booking new business by preparing competitive credit packages within established timeframes to meet customer needs.
• Consistently delivering exceptional customer service at every interaction and executing plans to continuously improve the customer experience.
• Leading all aspects of analysis for an assigned portfolio covering customers across Western Canada from our Calgary office.
• Assessing credit risk in compliance with applicable internal and external requirements (e.g. financial controls segregation of duties risk policies) to increase profitability and enable business growth.
• Recommending credit applications to the Senior Manager Credit Management.
• Liaising with deal team members to ensure coordinated and timely transaction execution.
• Providing ongoing monitoring and control processes for the portfolio in accordance with internal Bank policies.
• Participating fully as a member of the team supporting a positive work environment that promotes service to the business quality innovation and collaboration and ensuring timely communication of issues/points of interest.
• Providing thought leadership and industry knowledge for their area of expertise and participating in knowledge transfer/mentorship within the team and business unit.
• Staying current on emerging trends and developments and understanding the business related tools and techniques.
• Contributing to and leading various ad-hoc initiatives as assigned from time to time.

Job Requirements

• An undergraduate degree and/or relevant experience in Accounting Economics Finance or another quantitative discipline.
• Prior experience in credit analysis in commercial banking is required.
• Strong credit analytical and problem-solving skills.
• Financial modeling experience.
• A strong team player with the ability to work both in a team environment and independently.
• The ability to engage in active dialogue with internal and external stakeholders (Unit VP/Credit VP/AVP Market Leads clients legal counsel etc.).
• Strong communication (verbal and written) and organizational skills with the ability to multi-task and adapt to change in a dynamic fast-paced environment.
• A high-energy leader who can be detail-oriented and exercise initiative with minimal direction.

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):