Credit Analyst

Work LocationHalifax, Nova Scotia, CanadaHours37.5Line Of BusinessCredit ManagementPay Details$73,000 - $109,400 CADJob DescriptionDepartment Overview: TD Commercial Banking services the unique needs of Canadian businesses, customizing a broad range of products. As part of the Commercial Banking team the Analyst Commercial Banking will provide credit writing support to a Relationship Manager who is the face of the Bank to our customers. The position reports to a Manager Commercial Credit who will coordinate workflow and provide coaching on credit structure, pricing, and presentation.The Analyst Commercial Banking works on a two-person team with a Relationship Manager. Together, they jointly manage a portfolio of approximately 60 mid-market accounts with a moderate to high level of complexity. Portfolios are broadly based, and teams have responsibility for firms across a wide range of industrial segments. Clients are characteristically incorporated entities seeking loans in the $1 – 15 million range. The Analyst is responsible for much of the credit writing for the team, structuring credits appropriately to meet customer needs and address perceived risk. The Analyst completes necessary due diligence and produces reviews and risk ratings that reflect knowledge of Bank policies and procedures. Trends and conditions of accounts are pro-actively monitored and action plans are developed for problem situations. The position delivers consistent and timely service to customers and assists the Commercial Banking management team in resolving customer problems with an innovative approach.Job RequirementsIn addition to your undergraduate degree in business or relevant professional designation, you ideally have 2-3 years of experience as a Financial Analyst or Account Manager in a business or banking environment. Alternatively, you may have experience in another profession that supports the needs of business and are looking for an opportunity to add value from a different perspective. You have well developed analytical, and relationship management skills and look forward to developing them further in this role.Who We AreTD 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.Our Total Rewards PackageOur 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 moreAdditional InformationWe’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.Colleague DevelopmentIf you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. 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. 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 we’re committed to helping you identify opportunities that support your goals.Training & OnboardingWe will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.Interview ProcessWe’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.AccommodationYour 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