Credit Analyst jobs in Italy

Work Location:

Montréal, Quebec, Canada

Hours:

37.5

Line of Business:

Credit Management

Pay Details:

91,200 $/$91,200 - 136,800 $/$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. 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:

TD Equipment Financed (TDEF), within the Specialized Finance Group of the Business Bank is a center of excellence for the bank where the primary role is providing equipment financing (leases and loans) to eligible business clients. The TDEF Loan Recovery Group (LRG) is a specialized group, within the equipment finance business, where the primary role is assisting financially troubled clients.

The Sr. Analyst TD Equipment Finance, Loan Recovery Group (LRG) role manages a portfolio of customers in the LRG segment, developing collections strategy and file strategy for the Small Business / Commercial / Corporate Banking segment at TDEF, and managing internal relationships with the Banks' Financial Restructuring Group, Commercial and Agricultural services branch network, and with external professionals including legal counsel, accountants/monitors, receivers and trustees. The Sr. Analyst reports to the Sr. Manager EMG, LRG and Collections.

Accountabilities to the Shareholder:

1. Retain good quality clients in order to help achieve the Business Banking Quest.
2. Contribute to the businesses economic profit by meeting pricing objectives, price for risk and maximizing recovery of funds.
3. Minimize loss to the Unit by timely response to deteriorating situations.
4. Maximize recovery to the Unit with creative restructuring solutions.
5. Control costs with sensible cost-effective use of third-party professional retained by TDEF.
6. Effective use BBHub, Sales Force, Ekip, Jira, and CARMA Credit.

Accountability to Credit & Operational Risk:

1. Assess and adjudicate credit applications with the appropriate level of risk assessment, credit structure, due diligence, and credit presentation.
2. Operate in a compliant manner minimizing the regulatory compliance and operational risk to the Bank. Complete all compliance training and attestations within required timelines.
3. Ensure credit risk is properly assessed by performing independent risk analysis and by applying the policies & lending guidelines of the Bank.
4. Develop creative solutions to minimize risk and, wherever possible, provide support and flexibility to the client during the restructuring period.
5. Protect the Bank's assets by managing/using adequate risk monitoring systems and processes and by evaluating each account's performance as it relates to the assessment and management of credit risk.
6. Be knowledgeable in accurately applying credit assessment techniques and tools.
7. Sharing best practices from managing higher risk lending situations.
8. Be knowledgeable of and comply with Bank and Industry Codes of Conduct.
9. Understand the equipment finance market and the industries within the portfolio to ensure value added service is provided to clients while mitigating risk to the Bank.
10. Interpret and apply TD's risk management strategy (both credit and operational).
11. Ensure the higher risk portfolio at TDEF is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures and actioned to minimize loss to the Unit by timely response to deteriorating situations.

Accountability to the Customer:

1. Demonstrate empathy, treating clients with respect.
2. Deliver solid restructuring solutions for clients and follow best practice service standards.
3. Deliver exceptional service at every interaction and execute on plans to continuously improve the customer experience.
4. Constantly build knowledge of the market, customers, and broader economic factors.
5. Resolve customer and credit issues to deliver creative competitive solutions to meet customer needs and protect the bank.
6. Identify and respond to changes in the business environment, establishing action plans to address customer issues and priorities.
7. Manage and develop relationships with customers at an appropriate level, balancing time spent with customers' needs and relationship profitability.
8. Enhance TD brand by participating at network events in your community – be face of the bank.
9. Identify and respond to changes in the business environment, establishing action plans to address higher risk issues and priorities.
10. Employ industry best practices while working within the Banks guidelines to make TDEF the Better Bank Leasing Company and become the Subject Matter Expert for equipment finance.

Accountability to the Team:

1. Embrace and promote a positive environment that supports a diverse workplace.
2. Seek knowledge both formal and informal in line with personal development plan objectives.
3. Lead, support, mentor and provide guidance to your team and within the Unit.
4. Build and maintain productive relationships with business partners.
5. Develop and maintain effective relationships with various professional firms.
6. Act as a reference point to others in areas of personal expertise.

Job Requirements:

1. Bachelor's degree in finance, Commerce, or related field.
2. Restructuring, workout experience an asset.
3. Minimum 5 years of experience in Commercial Credit or Equipment Finance experience.
4. Bilingual (French & English).

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. 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 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.

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. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs.

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.

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.

Colleague Development:
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.

Training & Onboarding:
We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.

Interview Process:
We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

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!

Language Requirement (Quebec only):

Maîtrise d'une langue autre que le français pour offrir du soutien ou traiter avec les clients qui ont besoin de services et de soutien dans une langue autre que le français.

La TD est une grande entreprise dont le fonctionnement repose sur des gens remarquables qui ont le souci constant de faire avancer les choses. Plus de 80 000 employés partout dans le monde jouent un rôle important dans ce qui fait que la TD se démarque des autres entreprises.

Grâce à l'étendue et à la portée de nos activités, nos employés peuvent explorer de nombreuses possibilités de cheminement professionnel dans différents secteurs d'activités, zones géographiques et fonctions de soutien.