דרושים Sr Specialized Finance Analyst Us - Reconciliation Control ב-Td Bank ב-United States, Portland

Depth & Scope:

• Expert level professional role requiring in-depth knowledge / expertise in own domain / field of specialty and working knowledge of broader related areas
• Integrates the broader organizational context into advice and solutions within own area
• Accountable for own work and sometimes others; acts as an escalation point or knowledge resource for others in their own area
• Understands the industry, competition and the factors that differentiate the organization
• Applies best practices to implement process, product or service improvements
• Acts as a subject matter expert within their own area of specialty or a resource for others
• Supports projects or workstreams within broader projects with moderate risk or complexity and may be accountable for managing ongoing activities, processes and functional programs
• Contributes to setting standards within area of expertise
• Solves complex problems requiring analysis of multiple variables, including consultation with multiple stakeholders
• Uses advanced methods to contribute to new solutions and recommend standards against which others will operate
• Impacts a range of finance programs across own and related teams
• Interprets guidelines, standards, policies and results of analysis to inform decision making at senior levels
• Builds stakeholder alignment in leading projects and activities; may provide process and subject matter advice at senior levels
• Works independently as the senior technical lead and guides others within area of expertise
• Identifies and leads problem resolution for complex issues at all levels

Education & Experience:

• Undergraduate degree and/or
• 5+ years of relevant experience preferred
• Accounting, financial or relevant professional designation preferred

Preferred Qualifications:

• MS Office experience
• Proficient in MS Excel
• Experience in Alteryx

Customer Accountabilities:

• Specializes in particular areas according to established policies and procedures and applicable legal and regulatory guidelines
• Provides ongoing, proactive, specialized finance advice and counsel to business partners to ensure they are operating efficiently under applicable accounting rules and regulations
• Communicates and meets regularly with partners to develop an in-depth understanding of their business and to provide accounting/ taxation insight, knowledge and expertise, such as improving accounting process flows or clarifying income and expense recognition practices
• Recognizes, identifies and investigates business accounting issues that need attention, research as needed, offer specialized opinions based on research and knowledge and resolve problems
• Responds to accounting-related requests on a timely basis and answers questions as needed.
• Provides technical guidance and assist staff with most complex aspects of work as necessary
• Resolves escalated issues and problems by conferring with peers, other internal departments, outside contacts and others as necessary
• Ensures monthly recording of income, expense and other financial transactions is accurate and timely
• Researches and determines proper accounting treatment for new products and services as needed and communicate complete, thorough and accurate accounting requirements; considers and explains risk management issues prior to implementation, such as determining how the accounting of new initiatives will be monitored and controlled
• Performs a variety of activities related to month-end financial closing, which details the Bank's month-to-month financial condition, and/or completion of regulatory reports
• Reviews monthly financial activity and ensures transactions are appropriately recorded in proper accounts, such as cost capitalizing vs. expensing. Researches discrepancies and makes corrections and updates as necessary

Shareholder Accountabilities:

• Adheres to enterprise frameworks or methodologies that relate to activities for our business area
• Ensures respectiveprograms/policies/practicesare well managed, meets business needs, complies with internal and external requirements, and aligns with business priorities
• Consistently exercisse discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate
• Ensures business operations are in compliance with applicable internal and external requirements ( e.g. financial controls, segregation of duties, transaction approvals and physical control of assets)
• Participates in cross-functional / enterprise / initiatives as a subject matter expert helping to identify risk / provide guidance for complex situations
• Conducts internal and external research projects; supports the development/ delivery of presentations / communications to management or broader audience
• Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, make recommendations, assess the effectiveness of programs/ policies/ practices
• Monitors service, productivity and assesses efficiency levels within own function and implements continuous process / performance improvements where opportunities exist
• Leads / facilitates and/or implements actions / remediation plans to address performance / risk /governance issues
• Actively manages relationships within and across various business lines, corporate and/or control functions and ensures alignment with enterprise and/or regulatory requirements
• Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts
• Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite

Employee/Team Accountabilities:

• Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/ points of interest
• Provides thought leadership and/ or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit
• Keeps current on emerging trends/ developments and grow knowledge of the business, related tools and techniques
• Participates in personal performance management and development activities, including cross training within own team
• Keesp others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities
• Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices.
• Leads, motivates and develops relationships with internal and external business partners / stakeholders to develop productive working relationships.
• Contributes to a fair, positive and equitable environment that supports a diverse workforce
• Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally

Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel – Occasional
• International Travel – Never
• Performing sedentary work – Continuous
• Performing multiple tasks – Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds – Occasional
• Sitting – Continuous
• Standing – Occasional
• Walking – Occasional
• Moving safely in confined spaces – Occasional
• Lifting/Carrying (under 25 lbs.) – Occasional
• Lifting/Carrying (over 25 lbs.) – Never
• Squatting – Occasional
• Bending – Occasional
• Kneeling – Never
• Crawling – Never
• Climbing – Never
• Reaching overhead – Never
• Reaching forward – Occasional
• Pushing – Never
• Pulling – Never
• Twisting – Never
• Concentrating for long periods of time – Continuous
• Applying common sense to deal with problems involving standardized situations – Continuous
• Reading, writing and comprehending instructions – Continuous
• Adding, subtracting, multiplying and dividing – Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

Our Total Rewards Package

awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.

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.
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Depth & Scope:

• Recognized as top level expert within the company in a customer segment or product/service line with responsibility for identifying and interpreting trends in the market to structure portfolios and get results
• Develops new business with prospects that have the largest and most complex credit needs in assigned portfolio segment
• Defines new approaches to sell and deliver solutions
• Anticipates emerging customer trends as a basis for recommending products and services and expanding the business
• Highly sophisticated understanding of customer needs and competitor offerings that contribute to the direction of the business line or segment
• Oversees the management and activities of large accounts and related servicing teams
• Manages the most strategic relationships that are characterized by significantly complex products and services provided and/or takes a significant business development focus
• Solves unique problems with broad impact on the business segment and financials
• Develops and implements new and innovative approaches to the sales process, including negotiation of terms and approaches to account management – provides expert advice internally and externally
• Impacts a range of sales achievement for largest accounts and relationships and a significant part of one or more business lines
• Communicates complex ideas, anticipates potential objections and persuades customers; negotiates significant terms
• Provides leadership guidance, makes recommendations and collaborates with business to ensure solutions meets the business needs on a complex project or program
• Identifies and leads problem resolution for project/program complex requirements related issues at all levels

Education & Experience:

• Undergraduate degree
• 10+ years relevant experience
• In-depth understanding of commercial industry, business development techniques and credit decisions
• Proven business development track record, with proven ability to conceptualize and implement effective new business strategies
• Extensive network of outside referral sources for new business
• Excellent credit and financial analysis skills
• Effective negotiation skills

Customer Accountabilities:

• Responsible for growth goals (loans, deposits, fees), both individually and within the team, through development of new business Customers and cross selling existing Customers as well as an established network of resources
• Makes sales calls and may coordinate sales calling efforts, gather related financial and general business information as directed, coordinate financial analyses needed to make credit decisions
• Contributes and/or provides recommendation to loan decision process based on evaluation of credit risk and other key factors from Credit Management
• Negotiates specific terms and conditions and communicate credit decisions to prospects and Customers as directed by policy and/or credit approval
• Leads all aspects of relationship management for an assigned portfolio /segment and/or geography
• Delivers exceptional customer service at every interaction and execute on plans to continuously improve the customer experience
• Acts as a trusted advisor expected to meet the needs of customers by providing creative products / solutions
• Actively uses sales platforms to build a robust understanding of customer / target needs, industries, and markets
• Understands customer's operating environment, structure unique financing, cash management and overall business needs to add value to the customer
• Actively generates referrals to all business partners in the Bank to help meet the comprehensive financial needs of TD customers
• Develops a clear retention plan for assigned portfolio deposits and loans within the specified territory
• Possesses and constantly enhances expert knowledge of the market, customers, and broader economic factors
• Identifies and responds to changes in the business environment and establishing action plans to address customer issues and priorities
• Identifies customer / prospect referral opportunities to internal Bank partners that meet customer needs
• Develops community relationships and membership in civic and professional organizations, including active participation in networking events

Shareholder Accountabilities:

• Develops / implements sales strategies to proactively attract, acquire and retain customers / sales opportunities and referrals, to increase profitability and enable business growth
• Plans and executes business development activities, review and communicate results, and adjust tactics accordingly
• Promotes and offers full suite of products, sales, services and banking capabilities
• Assesses credit requests to determine risk and make appropriate recommendations for structuring credit deals
• Contributes to credit applications with a high quality of risk assessment, credit structure, due diligence, and credit presentation
• Contributes to business objectives for Operational Excellence
• Supports the timely and accurate completion of business processes and procedures
• Protects the interests of the organization – identify and manage risks, and escalate non-standard, high risk transactions / activities as necessary
• Ensures documentation that is prepared / completed is accurate and properly reflects client / business intentions and is consistent with relevant rules / regulations
• Identifies, suggests and actively participates in process improvement opportunities
• Actively manages relationships within and across various business lines/ corporate and/or control functions and ensures alignment with enterprise and/or regulatory requirements
• Participates in cross-functional / enterprise initiatives as a subject matter expert helping to provide guidance for complex situations
• Ensures necessary due diligence to support the accuracy of all customer transactions / activities
• Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts
• Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite
• Assumes responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct

Employee/Team Accountabilities:

• Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/ points of interest
• Provides thought leadership and/ or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit
• Keeps current on emerging trends/ developments and grows knowledge of the business, related tools and techniques
• Participates in personal performance management and development activities, including cross training within own team
• Keeps others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities
• Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices.
• Leads, motivates and develops relationships with internal and external business partners / stakeholders to develop productive working relationships.
• Contributes to a fair, positive and equitable environment that supports a diverse workforce
• Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

Our Total Rewards Package

awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.

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.
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.