Senior Credit Analyst

Job Description
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 assigned portfolios, with focus on assessing credit worthiness or risk of potential customers to drive profitable business growth while adhering to TD's credit risk policies. Based on industry knowledge, specialized credit acumen, and understanding of customer needs, Senior Credit Analysts are accountable for underwriting new credit requests, completing annual credit reviews, coordinating (or managing) draw requests, along with responsibilities for monitoring and controlling credit facilities.

Customer
Structure and package competitive credit solutions in a timely manner to meet customer needs jointly with the Relationship Manager.

Continually deliver exceptional service at every interaction and execute on plans to continuously improve the customer experience.

Lead all aspects of credit analysis for an assigned portfolio.

Utilize sales platform to build a robust understanding of our customers/target needs, industries and markets.

Be an expert on market, industry and broader economic factors.

Identify and respond to changes in the business environment, establishing action plans to address customer issues and priorities.

Assist the Relationship Manager 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.

Develop strong relationships with internal/external business partners and use these networks to provide specialized subject matter expertise and proactively manage customer relationships, including contributing to the identification and effective facilitation of reciprocal referrals.

Actively refer to other business partners across TDBG and respond effectively to reciprocal referrals.

Shareholder
Assess complex credit risk in compliance with applicable internal and external requirements (e.g., financial controls, segregation of duties, transaction approvals and physical control of assets) to increase profitability and enable business growth.

Develop/implement strategies to proactively promote products, sales, services and banking capabilities.

Contribute to Operational Excellence business objectives and identify, suggest and actively participate in process improvement opportunities.

Complete business processes/procedures as well as monitoring and control activities in a timely and accurate manner.

Acquire and apply expertise in the role.

Provide guidance, assistance and direction to others.

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.

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.

Assume responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct.

Employee / Team
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.

Provide thought leadership and/or industry…