Credit Analyst [Td Bank]

Hours37.5Workplace ModelHybridPay Details

We're committed to providing fair and equitable compensation to all our colleagues. As a candidate, we encourage you to have an open dialogue with your recruiter and ask compensation related questions, including pay details for this role.

Department Overview

TD Business Banking provides financial products and services to business customers and is comprised of the following businesses: Commercial Banking, Commercial National Accounts, Commercial Mortgage Group, National Real Estate Group, Agriculture Services and Small Business Banking

Operating as a part of the Business Bank, the Small Business Credit center is comprised of a team of Group Managers, credit analysts and credit managers focused on delivering timely credit decisions to our partners in the retail network right across the country. We strive to deliver first time right credit decisions, with a focus on growing market share while at the same time managing our risk appetite and regulatory framework. Our vision is to innovate and invest to deliver legendary value with speed. How we execute against that vision is to leverage our enterprise scale, process expertise, and lean disciplines to efficiently deliver capabilities while supporting our partners to effectively compete in the markets that they serve as a legendary One TD team.

Job Details

As a Credit Analyst your role is to adjudicate/underwrite credit applications for Small Business requests while continuing to develop excellent customer service skills and delivering a legendary customer experience to our partners.

• Optimize credit opportunities by assisting partners in adjudicating, structuring, packaging and authorizing credits
• Advanced knowledge of products, end-to-end processes, and systems
• Strong credit acumen- Subject Matter Expert with knowledge of credit adjudication and analysis
• Ability to provide training to others on best practices, processes, etc. as well as guide mentor other team members for the completion of business
• Ability to identify and investigate non-standard operational / reporting / process issues
• Strong knowledge of various Adjudication platforms
• Contribute to operational improvements to streamline procedures/processes and enhance service
• Perform due diligence in support of all credit applications
• Escalate with recommendation those credit applications that exceed discretionary limits and established guidelines
• Ability to identify and investigate non-standard operational / reporting / process issue
• Protect the interests of the Bank by ensuring credit is being adjudicated in accordance with assigned discretionary limits and established guidelines
• Maintain good relationships with partners including responding to questions and concerns
• Moderate to High level of complexity in operational / reporting / process and/or analysis
• Moderate to High credit limit authorization required for credit adjudication
• Experience in adjudication of complex credit applications involving multiple step transactions / processes / activities that may involve numerous systems and range in complexity from medium to high

Job Requirements

• Proven ability to deliver on Customer Experience goals
• Experience in an exception lending environment
• Strong aptitude for risk
• The successful applicant should have previous credit experience, strong credit acumen and has held credit limits.
• Above average analytical skills, strong aptitude for problem solving, organization and planning

Skills Category

• Negotiation Skills
• Relationship Management
• Presentation Skills
• Business Intelligence
• Research
• Interpersonal Skills
• Time management
• Computer Skills
• Analytical Skills
• Effective Communication
• Organized, detail oriented and ability to multi-task effectively

Company OverviewOur Values

At TD we're guided by our purpose is to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture.

Making Your Well-being a Priority

A caring and supportive culture that promotes colleague well-being is core to who we are. At TD, we focus on total well-being with extensive programs to help colleagues assess, manage, and improve their well-being across four core pillars — physical, financial, social and mental/emotional. In addition, we champion a safe, inclusive and supportive work environment to help colleagues feel a sense of belonging, and supported in their personal and professional growth. Through our focus on total well-being, we know that we can help our colleagues thrive, contribute to our culture of care, and support better business outcomes … because when colleagues feel their best, they're more likely to do their best.

Our Total Rewards Package

Our Total Rewards package reflects the investment we make in our colleagues to help them, and their families achieve their well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits including medical, dental, vision & mental health coverage, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs.

How We Work

At TD, we believe in-person connections fuel collaboration and collective creativity. Our workplace experience empowers colleagues to do great work side-by-side at TD locations, while offering flexibility to work remotely where it makes sense for the work and team. Our teams work in one of three workplace models: hybrid, onsite and primarily remote. Wherever our colleagues are working, they'll always have access to the TD community and experience our culture of care.

Who We Are

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is a customer obsessed organization, and we are deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing – and so will you.

InclusivenessOur Commitment to Diversity, Equity, and Inclusion

At TD, we're committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We're dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.

How We're Helping Make An Impact In Communities

TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That's why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of $1 billion by 2030 in community giving four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It's our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities.

Accommodation

Your accessibility is important to us. Please let us know if you'd like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!