Credit Analyst I

Join to apply for the Credit Analyst I role at TD Securities 3 days ago Be among the first 25 applicants Work Location: Montréal, Quebec, Canada Hours: 37.5 Line Of Business: Credit Management Pay Details: $65,600 - $98,400 CAD 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 candidate's 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. Department Overview TD Wealth is focused on the delivery of legendary client experiences to Mass Affluent and High-Net Worth clients through an integrated team of professionals across Private Investment Advice, Private Investment Counsel, Financial Planning, Private Banking, Private Trust, Wealth Insurance and Wealth Advisory Services. The Credit Solutions Group is focused on helping to create and implement complex structured financial solutions providing superior risk adjusted after-tax rewards for Ultra High Net Worth and High Net Worth individuals, families, and business leaders. The department brings value through custom loan structures that help private Banking clients build net worth, protect what matters, implement tax-efficient strategies and leave a legacy. The target market includes UHNW and HNW individuals and their families, successful business entrepreneurs and professionals. The group has direct accountability and responsibility to assist and educate Private Banking managers and their teams across the country in credit structures. Job Description Reporting to the Regional Credit Manager, you will be working with Senior Private Bankers to provide dedicated support to Private Banking clients while delivering a legendary experience. The Credit Analyst is primarily responsible for structuring credit, with focus on assessing credit worthiness or risk of potential customers by examining credit history of the applicant, the purpose of the credit facility, debt serviceability, and identifying any potential financial risks involved. Key Accountabilities Are: Support Senior Private Bankers in booking new business by structuring, assessing and submitting for adjudication competitive credit requests in a timely manner to meet customer needs Assess credit risk in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, and risk policies) to increase profitability and enable business growth Continually deliver exceptional customer service at every interaction and execute on plans to continuously improve the customer experience Utilize sales platform to build a robust understanding of our customers' / prospects' needs Constantly build knowledge of the market, customers, and broader economic factors and have an expert understanding of the Bank's Retail Credit Policies and Procedures and being able to interpret and apply them effectively Identify and respond to changes in the business environment, establishing action plans to address customer issues and priorities Assist Senior Private Bankers in cross selling the full range of products to existing and new customers, as applicable to maximize revenue/profit and retention of relationships based on the risk profile of the customer Deliver the Bank by recommending, introducing, and referring appropriate Wealth and TDBFG Business Partners and Products Be actively involved in ensuring the Private Banking Market being supported meets or exceeds its LEI target. Actively manage relationships within and across various business lines/ corporate and/or control functions and ensure alignment with enterprise and/or regulatory requirements Contribute to a fair, positive and equitable environment that supports a diverse workforce Acts as a subject matter expert and/or a resource for others Job Requirements 3-5 years' experience in personal or real estate credit Experience with complex credit would be considered an asset Strong customer service orientation The ability to engage in active dialogue with internal and external stakeholders Solid credit, analytical and problem‑solving skills. Excellent communication and organizational skills. Strong team player 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. Additional Information We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re 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. Training & Onboarding We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role. Accommodation Your accessibility is important to us. Please let us know if you’d 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. Language Requirement (Quebec Only) Sans Objet #J-18808-Ljbffr