Credit Analyst II

2 weeks ago


Guelph, Ontario, Canada TD Bank Full time
Job Title: Credit Management Specialist

TD is one of the world's leading global financial institutions, and we're seeking a skilled Credit Management Specialist to join our team. As a key member of our Credit Management team, you will play a critical role in assessing credit worthiness and risk of potential customers to drive profitable business growth.

Key Responsibilities:
  • Structure credit for assigned portfolios, focusing on assessing credit worthiness and risk to drive profitable business growth while adhering to TD's credit risk policies.
  • Underwrite new credit requests, complete annual credit reviews, and coordinate draw requests, ensuring timely and accurate completion of tasks.
  • Monitor and control credit facilities, identifying and mitigating potential risks to ensure compliance with regulatory requirements.
  • Support the Relationship Manager in booking new business by preparing competitive credit packages in a timely manner to meet customer needs.
  • Deliver exceptional customer service at every interaction, executing plans to continuously improve the customer experience.
  • Lead all aspects of analysis for assigned portfolios, utilizing sales platforms to build a robust understanding of customers, target needs, industries, and markets.
  • Identify and respond to changes in the business environment, establishing action plans to address customer issues and priorities.
  • Assist the Relationship Manager in cross-selling the full range of products to existing and new customers, maximizing revenue and retention of relationships based on the risk profile of the customer.
Requirements:
  • Undergraduate degree and/or 5+ years of relevant experience in credit management or a related field.
  • Strong analytical and problem-solving skills, with the ability to interpret guidelines, standards, policies, and results of analysis to inform decision making.
  • Excellent communication and interpersonal skills, with the ability to build stakeholder alignment and lead problem resolution for complex issues.
  • Ability to work under moderate guidance and supervision from management, with a focus on delivering high-quality results in a timely and accurate manner.
About TD:

TD is deeply committed to being a leader in customer experience, and we believe that all colleagues, no matter where they work, are customer-facing. We're innovating to enhance the customer experience and build capabilities to shape the future of banking.

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.

Colleague Development:

We're committed to providing the support our colleagues need to thrive both at work and at home. You'll 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.


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