Senior Credit Analyst, Ag. Services

Work Location: Abbotsford, British Columbia, Canada

Hours: 37.5

Line of Business: Credit Management

Pay Details: $91,200 - $136,800 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 at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their 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.
• Develop strong relationships with internal /external business partners and use these networks to provide specialized subject matter expertise and proactively manage customer relationships.
• 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 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.
• 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.
• 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.
• Contribute to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices.

BREADTH & DEPTH

• Expert level professional role requiring substantial knowledge / expertise in a complex field.
• Collaborate with cross-functional partners, acting as a subject matter expert in their field of specialty.
• Interprets internal/external business challenges and the industry environment, recommends course of action and best practices to improve products, processes or services.
• Independently manage end-to-end functional programs and solve complex problems.
• Work is guided by policies and industry standards/methods.
• Generally, reports to the Senior Manager, Credit Management.

EXPERIENCE & EDUCATION

• Undergraduate degree and/or 7+ years of relevant experience.

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/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world.

Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals.

Additional Information:
We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.

Accommodation
Your accessibility is important to us. Please let us know if you'd like accommodations to help us remove barriers so that you can participate throughout the interview process.