Credit Analyst I, Agricultural Services

Description :Structure credit for an assigned portfolio and focused on assessing credit worthiness or risk of potential customers for driving profitable business growth while adhering to TD's credit risk policies. Responsible for preparing credit reviews, approving draw requests and has responsibilities for monitoring and control.KEY ACCOUNTABILITIESCUSTOMERSupport the Relationship Manager in booking new business by preparing competitive credit packages in the assigned business segment in a timely manner to meet customer needsContinually deliver exceptional customer service at every interaction and execute on plans to continuously improve the customer experienceConduct appropriate market, industry and client research and risk analysis in support of the credit development and credit submission processes where appropriatePrepare documentation in support of financial solutions for clients, including review and commentary on credit facility term sheets and timely completion of client presentationsPrepare and recommend credit submissions including annual and interim client reviewsAssist the AM 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 timesSHAREHOLDERContribute to the achievement of business objectives through exceptional customer service and risk support to increase profitability and enable business growthSupport the promotion of products, sales, services and banking capabilitiesContribute to business objectives for Operational ExcellenceComplete business processes and procedures in a timely and accurate mannerProtect the interests of the organization – identify and manage risks, and escalate non-standard, high risk activities as necessaryEnsure documentation that is prepared / completed is accurate and properly reflects client / business intentions and is consistent with relevant rules / regulationsEnsure necessary due diligence to support the accuracy of all customer transactions / activitiesKeep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impactsMaintain a culture of risk management and control, supported by effective processes in alignment with risk appetiteAssume responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of ConductEMPLOYEE / TEAMParticipate 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 interestSupport the team by continuously enhancing knowledge / expertise in own area and participate in knowledge transfer within the team and business unitKeep current on emerging trends/ developments and grow knowledge of the business, related tools and techniquesParticipate in personal performance management and development activities, including cross training within own teamKeep others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activitiesContribute to the success of the team by willingly assisting others in the completion and performance of work activities; provide training, coaching and/or guidance as appropriate.Contribute to a fair, positive and equitable environment that supports a diverse workforceBREADTH & DEPTHProfessional role with a focus on providing specialized business services, advisory or process / program support for own area of specialty, within defined parametersRequires sound conceptual knowledge in their own field of specialtyInvestigates and analyzes potential solutions; ensures processes and functional programs are implementedExecutes on work with some complexity; generally requiring short to medium-term focus (weekly-monthly)Accountable for own work and effective coordination of processes and information across related teamsDelivers on assigned initiatives / projects /programs with some direction from managementGenerally, reports to the Senior Manager, Commercial Credit roleEXPERIENCE & EDUCATIONUndergraduate degree and/or3+ years of relevant experience***This posting has a pre-identified candidate***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. 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. 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.Colleague Development If 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 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 youLanguage Requirement (Quebec only):Sans Objet