Credit Analyst

Overview

Work Location:

Barrie, Ontario, Canada

Hours:

37.5

Line of Business:
Credit Management

Pay Details: $69,700 - $98,400 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  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 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.

• Support the Relationship Manager in booking new business by preparing competitive credit packages in the assigned business segment in a timely manner to meet customer needs
• Continually deliver exceptional customer service at every interaction and execute on plans to continuously improve the customer experience
• Conduct appropriate market, industry and client research and risk analysis in support of the credit development and credit submission processes where appropriate
• Prepare documentation in support of financial solutions for clients, including review and commentary on credit facility term sheets and timely completion of client presentations
• Prepare and recommend credit submissions including annual and interim client reviews
• Assist 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 times

• Contribute to the achievement of business objectives through exceptional customer service and risk support to increase profitability and enable business growth
• Support the promotion of products, sales, services and banking capabilities
• Contribute to business objectives for Operational Excellence
• Complete business processes and procedures in a timely and accurate manner
• Protect the interests of the organization - identify and manage risks, and escalate non-standard, high risk activities as necessary
• Ensure documentation that is prepared / completed is accurate and properly reflects client / business intentions and is consistent with relevant rules / regulations
• 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
• Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite
• Assume responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct

• 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
• Support the team by continuously enhancing knowledge / 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 projects and / or all relevant or useful information related to day-to-day activities
• Contribute 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 workforce

• Professional role with a focus on providing specialized business services, advisory or process / program support for own area of specialty, within defined parameters
• Requires sound conceptual knowledge in their own field of specialty
• Investigates and analyzes potential solutions; ensures processes and functional programs are implemented
• Executes 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 teams
• Delivers on assigned initiatives / projects /programs with some direction from m