Credit Analyst II, TD Equipment Finance

Work Location:
Montréal, Quebec, Canada

Hours:
37.5

Line of Business:
Credit Management

Pay Details:
76,800 - 115,200 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:

Department Overview :

The TD Equipment Finance (TDEF) team is a Centre of excellence within TD Specialized Commercial Banking. Our mandate is to structure equipment financing (leases and loans) for business clients and prospects as an alternative to other conventional bank sources of financing such as term loans.

Job Description :

For the position of Credit Analyst II, TDEF, you will be assessing credit worthiness of potential and existing customers and structuring facilities while adhering to TD's credit risk policies. You will prepare credit reviews, structure facilities, approve draw requests and have responsibilities for monitoring and control for driving profitable business growth.

On a typical day at work, you will:

• Structure and package competitive credit solutions on time to meet customer needs. This involves preparing credit applications with a high quality of risk assessment, credit structure, due diligence, and credit presentation. You will assess and structure requests for some of TDEF's largest and most complex financing opportunities.
• Actively participate and contribute to the management of TDEF standalone portfolio to ensure accounts are appropriately monitored.
• Deliver sound equipment financing expertise.
• Present larger, complex transactions to senior management team.
• Work with some of the most highly skilled individuals in the equipment finance industry.
• Continually deliver exceptional service at every interaction and execute on plans to continuously improve the customer experience
• Contribute to business objectives for Operational Excellence
• Interpret internal and external business challenges and the industry environment, recommend course of action and standard methodologies to improve products, processes or services
• 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 product and industry knowledge for own area of expertise and participate in knowledge transfer within the team and business unit
• Keep current on emerging trends and developments and grow knowledge of the business, related tools and techniques

Job Requirements :

• Undergraduate degree and/or over 5 years of relevant experience
• Substantial expertise in credit risk assessment and ability to structure
• Excellent analytical, judgement and decision-making skills
• Proficient in using MS Office Suite, productivity tools and end-user software
• A dynamic professional with a positive approach and strong communications skills to liaise with cross functional teams and colleagues
• Robust organizational skills and with the ability to work in a demanding environment and handle multiple deadlines and priorities

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. Learn more

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):
Ce poste n'exige pas la maîtrise d'une langue autre que le français.