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Job Description:
Structure credit and support monitoring and control responsibilities for assigned portfolios. This role will support portfolios in the Mid-Market Sponsor Coverage space, with focus on assessing credit worthiness or risk of potential customers to drive profitable business growth while adhering to TD's credit risk policies. In addition to a primary responsibility supporting monitoring and control activities, other accountabilities may include underwriting new and interim credit requests, completing annual credit reviews, and coordinating (or managing) draw requests.
Lead all aspects of analysis for assigned portfolios
Assess credit risk in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, risk policies transaction approvals and physical control of assets) to increase profitability and enable business growth
Proactively promote products, sales, services and banking capabilities
Protect the interests of the organization - identify and manage risks, and escalate 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
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
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 a fair, positive and equitable environment that supports a diverse workforce
BREADTH & DEPTH
Professional role requiring a depth of knowledge / expertise in own domain / field of specialty and working knowledge of broader related areas
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
Contributes to setting standards within area of expertise
Solves problems requiring analysis of multiple variables, including consultation with multiple stakeholders
Interprets guidelines, standards, policies and results of analysis to inform decision making at senior levels
Builds stakeholder alignment when structuring credit requests
Work performed under moderate guidance and supervision from management
Identifies and leads problem resolution for complex issues at all levels
Generally, reports to the Senior Manager, Credit Management
EXPERIENCE & EDUCATION
Undergraduate degree and/or
5+ years of relevant experience and/or Associate Program
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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