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Td Bank Credit Analyst II TDAF Canada, Quebec 31816627
Department Overview
The TDAF Commercial team is focused on lending to auto dealers across the country, providing comprehensive solutions to meet their banking needs. Credit exposure across the portfolio includes real estate and acquisition financing, operating credit, floor plan financing, lease lines and equipment finance. Transactions can range significantly in size and complexity from ~$15mm for small, single location dealers to +$500mm for large dealer groups.
Job Description
The Credit Analyst provides dedicated credit management support to a Relationship Manager. The Credit Analyst reports to a Senior Manager in the TDAF Credit Management group. Responsibilities include:
- Support the Relationship Manager in booking new business by preparing competitive credit packages within established timeframes to meet customer needs.
- Continually deliver exceptional customer service at every interaction and execute on plans to continuously improve the customer experience.
- Lead all aspects of analysis for an assigned portfolio covering customers across Quebec.
- Assess credit risk in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, risk policies) to increase profitability and enable business growth.
- Recommend credit applications to the AVP Credit and/or Senior Manager, Credit Management.
- Liaise with deal team members to ensure coordinated and timely transaction execution.
- Provide ongoing monitoring and control processes for the portfolio in accordance with internal Bank policies.
- Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation, and collaboration and ensure timely communication of issues/ points of interest.
- Provide thought leadership and industry knowledge for own area of expertise and participate in knowledge transfer/mentorship within the team and business unit.
- Keep current on emerging trends and developments and understand the business, related tools and techniques.
- Contribute to, and lead, various ad-hoc initiatives which may be assigned from time-to-time.
Job Requirements
- Undergraduate degree and/or relevant experience in Business, Economics, Finance, or other quantitative discipline
- Bilingual (French and English).
- Prior experience in credit analysis in commercial banking is strongly preferred.
- Sound credit, analytical and problem-solving skills.
- Financial modeling experience would be an asset.
- Strong team player, with an ability to work both in a team environment and independently.
- The ability to engage in active dialogue with internal and external stakeholders (Unit VP/Credit VP/AVP, Market Leads, clients, legal counsel etc.).
- Strong communications and organizational skills with the ability to multi-task and adapt to change in a dynamic fast-paced environment.
- A high-energy leader who can be detail oriented, exercise initiatives with minimal direction.
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.
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.
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