Senior Credit Analyst

Senior Credit Analyst – TD Securities Work Location: Burnaby, British Columbia, Canada Hours: 37.5 hours per week Line Of Business: Credit Management Pay Details: $91,200 – $136,800 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. Job Description Structure credit for assigned portfolios, with focus on assessing credit worthiness or risk of potential customers to drive profitable business growth while adhering to TD's credit risk policies. Based on industry knowledge, specialized credit acumen, and understanding of customer needs, Senior Credit Analysts are accountable for underwriting new credit requests, completing annual credit reviews, coordinating (or managing) draw requests, along with responsibilities for monitoring and controlling credit facilities. Customer Structure and package competitive credit solutions in a timely manner to meet customer needs jointly with the Relationship Manager Continually deliver exceptional service at every interaction and execute on plans to continuously improve the customer experience Lead all aspects of credit analysis for an assigned portfolio Utilize sales platform to build a robust understanding of our customers/ target needs, industries and markets Be an expert on market, industry and broader economic factors 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, as applicable, to maximize revenue/profit and retention of relationships based on the risk profile of the customer ensuring appropriate credit is earned at all times Develop strong relationships with internal /external business partners and use these networks to provide specialized subject matter expertise and proactively manage customer relationships, including contributing to the identification and effective facilitation of reciprocal referrals Actively refer to other business partners across TDBG and respond effectively to reciprocal referrals Shareholder Assess complex credit risk in compliance with applicable internal and external requirements (e.g., financial controls, segregation of duties, transaction approvals and physical control of assets) to increase profitability and enable business growth Develop/implement strategies to proactively promote products, sales, services and banking capabilities Contribute to Operational Excellence business objectives and identify, suggest and actively participate in process improvement opportunities Complete business processes/procedures as well as monitoring and control activities in a timely and accurate manner Acquire and apply expertise in the role Provide guidance, assistance and direction to others Protect the interests of the organization – identify and manage risks, and expedite non‑standard, high risk transactions/activities as necessary Actively manage relationships within and across various business lines/ corporate and/or control functions and ensure alignment with enterprise and/or regulatory requirements Ensure necessary due diligence to support the accuracy of all customer transactions/activities Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts Assume responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct Employee / Team 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/ points of interest Provide thought leadership and/ or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business unit Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques Participate in personal performance management and development activities, including cross training within own team Keep others informed and up to date about the status / progress of new requests and/or annual reviews and / or all relevant or useful information related to day‑to‑day activities Contribute to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices Lead, motivate and develop relationships with internal and external business partners / stakeholders to develop productive working relationships Contribute to a fair, positive and equitable environment that supports a diverse workforce Breadth & Depth Expert level professional role requiring substantial knowledge / expertise in a complex field and knowledge of broader related areas Ensuring advice and solutions provided within own area of expertise align with the Enterprise strategic priorities, including risk appetite, customer experience Collaborate with cross‑functional partners, acting as a subject matter expert in their field of specialty Interprets internal/external business challenges and the industry environment, recommends course of action and best practices to improve products, processes or services Independently manage end‑to‑end functional programs Solve or may lead others to solve complex problems; lead efforts or partner with others to develop new solutions Uses sophisticated analytical thought to exercise judgement and identify solutions Work is guided by policies and industry standards/methods Communicates difficult concepts; converts information to compelling business context and advice; influences and gains alignment across increasingly senior stakeholders Work independently with minimal management guidance and supervision Generally reports to the Senior Manager, Credit Management Experience & Education Undergraduate degree and/or 7+ years of relevant experience Company Overview 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. 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. 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 Interested in a specific career path or looking to build certain skills? 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. Training & Onboarding We will provide training and onboarding sessions to ensure that you’ve got 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. Language Requirement (Quebec Only) Sans Objet Seniority Level Mid‑Senior level Employment Type Full‑time Job Function Finance and Sales Industries Investment Banking #J-18808-Ljbffr