Sr. Credit Risk Analyst TDEF

Pay Details USD 91,200 - 136,800 (CAD 91,200 - 136,800) Work Location Montréal, Quebec, Canada Hours 37.5 hours per week Line Of Business Credit Management Department Overview The TD Equipment Finance (TDEF) team is a Centre of excellence within TD Specialized Commercial Banking. The mandate is to structure equipment financing (leases and loans) for business clients and prospects as an alternative to other conventional bank sources of financing such as term loans. Job Description The Analyst TDEF supports new business initiatives in the equipment finance business, with the portfolio of direct equipment finance customers and focuses on credit and operational risk management. The position is responsible for preparing and approving credit reviews (within their DLs) and has responsibilities for monitoring and control within the TDEF portfolio. The Analyst focuses on structuring competitive financing solutions while maintaining credit quality, working on equipment finance portfolio of direct dealing clients together with various Sales Executives and Assistant Account Managers to grow the portfolio, add new clients and meet speed to market expectations. The Analyst reports to the Sr. Manager Credit, TD Equipment Finance. This position is accountable to deliver superior customer experience, drive profitable business growth and achieve the Quest. On a Typical Day At Work Structure and package competitive credit solutions on time to meet customer needs. This involves preparing credit applications with a high quality of risk assessment (through credit bureau report, financial statement and previous borrowing history analyses), credit structure, due diligence, and credit presentation (with an emphasis on Transportation and construction equipment). Actively participate and contribute to the growth of TDEF RAC/SBB portfolio. Deliver sound equipment financing expertise. Present unique, complex transactions to senior management team. Work with some of the most highly skilled individuals in the equipment finance industry. Continually deliver exceptional service at every interaction and execute on plans to continuously improve the customer experience. Contribute to business objectives for Operational Excellence. Interpret internal and external business challenges and the industry environment, recommend course of action and standard methodologies to improve products, processes or services. Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues or points of interest. Provide product and industry knowledge for own area of expertise and participate in knowledge transfer within the team and business unit. Keep current on emerging trends and developments and grow knowledge of the business, related tools and techniques. Job Requirements Undergraduate degree and/or over 5 years of relevant experience. Expertise in credit risk assessment and ability to structure. Excellent analytical, judgement and decision-making skills. Proficient in using MS Office Suite, productivity tools and end-user software. A dynamic professional with a positive approach and strong communications skills to liaise with cross functional teams and colleagues. Robust organizational skills and the ability to work in a demanding environment and handle multiple deadlines and priorities. Bilingualism (English and French) is required. 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. 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. It 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. Additional Information 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 Your career path and development are supported through regular conversations with your manager, an online learning platform and various mentoring programs to help you unlock future opportunities. Training & Onboarding We will provide training and onboarding sessions to ensure you have everything you need to succeed in your new role. Interview Process We’ll 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 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. We look forward to hearing from you #J-18808-Ljbffr