Credit Analyst II TDEF

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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:

This is a Credit Analyst II role on the TD Equipment Finance (TDEF) team based in Burlington ON. The position is responsible for preparing credit reviews supporting the approval of draw requests and contributing to monitoring and control activities within the TDEF portfolio.

The Credit Analyst supports the structuring of competitive financing solutions while maintaining credit quality working on an assigned portfolio of directdealing clients in collaboration with Sales Account Executives and Account Managers. The role contributes to portfolio growth onboarding of new clients and meeting speedtomarket expectations under the guidance of senior credit professionals.

The portfolio includes midmarket and corporate borrowers. The role covers Ontario and Atlantic Canada collaborating closely with dedicated TDEF Account Executives mid-market Commercial Banking teams and Commercial National Accounts (CNA).

The Credit Analyst is expected to develop sound underwriting and credit analysis skills and to underwrite moderately complex transactions across a range of industries such as transportation construction manufacturing telecom and related sectors in accordance with established credit risk policies and procedures.

CUSTOMER

• Continually deliver highquality service at every interaction and contribute to initiatives that improve the customer experience
• Support credit analysis activities for an assigned portfolio under the guidance of senior credit team members
• Develop a working knowledge of market industry and economic factors relevant to assigned clients
• Identify changes in the business or credit environment and escalate observations to senior stakeholders as appropriate
• Build and maintain effective working relationships with internal and external partners collaborating to support customer needs and referral opportunities

SHAREHOLDER

• Assess moderately complex credit risk in compliance with internal policies and external requirements escalating higherrisk or nonstandard situations as required
• Contribute to Operational Excellence objectives by following established processes and identifying opportunities for continuous improvement
• Complete assigned business processes monitoring and control activities accurately and on time
• Continue to build and apply expertise in equipment finance credit analysis and risk management
• Provide input support and collaboration to team members; seek guidance when required
• Help protect the interests of the organization by identifying risks and ensuring appropriate escalation
• Work effectively with partners across business lines and control functions to support alignment with enterprise and regulatory requirements
• Ensure appropriate due diligence is completed to support the accuracy of credit documentation and transactions
• Maintain awareness of relevant industry and regulatory developments as they relate to assigned responsibilities
• Comply with Bank policies procedures and the Code of Conduct to minimize operational and regulatory risk

EMPLOYEE / TEAM

• Participate actively as a team member and contribute to a positive inclusive work environment that supports collaboration quality and innovation
• Share knowledge and best practices within the team while continuing to learn from others
• Continuously develop skills and knowledge of the business tools and credit practices
• Participate in performance management feedback and development activities including crosstraining opportunities
• Communicate clearly and in a timely manner regarding the status of assigned work reviews and requests
• Support team capability development through collaboration and knowledge sharing
• Build productive working relationships with internal and external partners appropriate to role scope
• Contribute to a fair positive and equitable workplace that supports diversity and inclusion

BREADTH & DEPTH

• Professional role requiring foundational to intermediate knowledge of credit analysis and equipment finance with development in related areas
• Apply established policies frameworks and risk appetite to credit decisions within defined authority levels
• Collaborate with crossfunctional partners and contribute as a team member rather than acting as a subjectmatter expert
• Analyze business and credit challenges and recommend solutions under guidance
• Solve problems of moderate complexity using sound analytical judgment and established methodologies
• Work is guided by policies procedures and management direction
• Communicate clearly and effectively with peers and management; escalate issues as appropriate
• Work with regular supervision and support
• Generally reports to the Senior Manager Credit Management

EXPERIENCE & EDUCATION

• Undergraduate degree and/or 3 to 5 years of relevant experience
• Professional designation (CPA CFA MBA etc.) is an asset.
• Experience in credit underwriting for commercial banking or equipment financing and/or relevant financial analysis experience (FP&A corporate finance etc.).
• Strong analytical judgement and decision-making skills in assessing and handling risk profile for team processes
• 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 worlds leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day we strive to make every interaction product and experience remarkably human and refreshingly simple for 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 foster deeper relationships ensure disciplined execution and build a simpler faster banking experience. TD is deeply committed to being a leader in client experience that is why we believe that all colleagues no matter where they work are client facing. Together we are reimagining what banking can be for our clients colleagues and communities.

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.

If youre passionate about helping clients and building deep lasting relationships TD offers diverse career paths where you can grow your expertise and make a meaningful impact.

Were committed to your success and foster a respectful workplace where diverse perspectives are valued everyone has fair opportunities to grow and you can unlock your full potential to achieve your career goals. Here at TD we hire and develop the best.

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):