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Description

This Senior Credit Analyst position within TD Equipment Finance (TDEF) involves preparing credit reviews, approving draw requests, and continuously monitoring the TDEF portfolio. The role requires structuring competitive financing solutions while upholding credit quality for a designated portfolio of direct dealing clients. This includes collaborating with Sales Account Executives and Account Managers to expand the portfolio, acquire new clients, and meet market demands. The portfolio encompasses complex, multi-jurisdictional large mid-market and corporate borrowers across diverse industries such as transportation, construction, oil & gas, mining, telecom, and manufacturing. The analyst is also expected to cultivate strong relationships with internal partners, including Commercial Credit Risk Management and Credit Risk Policy.

What We're Looking For

Lead all aspects of credit analysis for an assigned portfolio.,Be an expert on market, industry, and broader economic factors.,Identify and respond to changes in the business environment.,Develop strong relationships with internal/external business partners.,Assess complex credit risk in compliance with applicable internal and external requirements.,Contribute to Operational Excellence business objectives and identify 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.,Participate fully as a member of the team, support a positive work environment.,Provide thought leadership and/or industry knowledge for own area of expertise.,Keep current on emerging trends/developments and grow knowledge of the business.,Participate in personal performance management and development activities.,Contribute to team development of skills and capabilities through mentorship.,Lead, motivate and develop relationships with internal and external business partners.

Ideal Candidate

Undergraduate degree and/or 7+ years of relevant experience.,Professional designation (CPA, CFA, MBA, etc.) is an asset.,Experience in credit underwriting for commercial banking or equipment financing and/or relevant financial analysis experience (FP&A, corporate finance, etc.).,Excellent analytical, judgment and decision-making skills in assessing and handling risk profile.,A dynamic professional with a positive approach and strong communications skills to liaise with cross-functional teams and colleagues.,Robust organizational skills with the ability to work in a demanding environment and handle multiple deadlines and priorities.

Minimum Education

Bachelor's Degree

Hard Skills

Credit Analysis
Credit Underwriting
Financial Analysis
Risk Management
Portfolio Monitoring
Structuring Financing Solutions
Operational Excellence
Process Improvement

Soft Skills

Communication
Relationship Building
Leadership
Mentorship
Teamwork
Analytical Thinking
Judgment
Decision-making
Organizational Skills
Adaptability
Problem Solving

Work Hours

37.5 hours/week

Benefits

Health and well-being benefits
savings and retirement programs
paid time off
banking benefits and discounts
career development
reward and recognition programs

Special Commitments

Subject to provincial regulation for employment purposes.

Also Available At

About the Company

T

The Toronto-Dominion Bank

The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Group, one of the largest banks in North America. TD provides a wide range of personal, commercial, and investment banking products and services to over 27 million customers globally. Headquartered in Toronto, Canada, the bank operates through key segments including Canadian Retail, U.S. Retail, and Wholesale Banking.

Inclusive
Community-focused
Professional
Growth-oriented
Caring
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