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Job Overview Location: Vancouver, British Columbia, Canada.

Hours: 37.5.

Line of Business: Credit Management.

Pay: $96,900 - $136,800 CAD.

Responsibilities

Structure credit for assigned portfolios, assess credit worthiness or risk of potential customers to drive profitable business growth while adhering to company credit risk policies.

Underwrite new credit requests, complete annual credit reviews, coordinate or manage draw requests, and monitor and control credit facilities.

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 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 to maximize revenue and retention based on the risk profile of the customer, ensuring appropriate credit is earned at all times.

Develop robust relationships with internal/external business partners and use these networks to provide specialized subject‑matter expertise and proactively manage customer relationships, including contributing to the identification and effective facilitation of reciprocal referrals.

Actively refer to other business partners across the organization and respond effectively to reciprocal referrals.

Assess complex credit risk in compliance with applicable internal and external requirements to increase profitability and enable business growth.





Develop and implement strategies to proactively promote products, sales, services and capabilities.

Contribute to operational excellence business objectives and identify, suggest, and actively participate in process improvement opportunities.

Complete business processes and 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 elevate non‑standard, high‑risk transactions or activities when necessary.

Manage relationships within and across various business lines and corporate or control functions, ensuring alignment with enterprise and regulatory requirements.

Ensure necessary due diligence to support the accuracy of all customer transactions and 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 the bank and industry Code of Conduct.

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 or points of interest.

Provide thought leadership and knowledge for your 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.

Participate in personal performance management and development activities, including cross training within the team.

Keep others informed and up to date about the status or progress of new requests and/or annual reviews.

Contribute to team development of skills and capabilities through mentorship and sharing of best practices.

Lead, motivate, and develop relationships with internal and external partners and stakeholders to foster productive working relationships.

Contribute to a fair, positive, and equitable environment that supports a diverse workforce.

Maintain an expert‑level professional role with substantial knowledge of a complex field and related areas.

Ensure advice and solutions align with strategic priorities, including risk appetite and customer experience.

Collaborate with cross‑functional partners as a subject‑matter expert in their area of specialty.

Interpret internal or external business challenges and the industry environment, recommend course of action and best practices to improve products, processes or services.

Independently manage end‑to‑end functional programs, solve complex problems, and lead efforts or partner with others to develop new solutions.

Use sophisticated analytical judgment to identify solutions, and work under policies and industry standards.

Communicate difficult concepts, convert information to compelling business context, and influence and gain alignment across senior stakeholders.

Work independently with minimal management supervision.

Typically report to the Senior Manager, Credit Management.

Qualifications

Undergraduate degree.

7+ years of relevant experience.

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📌 Senior Credit Analyst (ATH 324) (Vancouver)
🏢 TD Securities
📍 Vancouver