Work Location: Toronto, Ontario, Canada Hours: 37.5 Line of Business: Risk Management Pay Details: $81,600 - $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

Key Accountabilities

- Assess financial position of special loans through cash flow projection, asset valuation, credit histories and other financial measures
- Prepare recommendations for credit restructuring, additional assets where the loan may be recoverable and returned to acceptable status
- Develop unique restructuring options to suit the circumstances of the account
- Authorize any legal actions necessary in recovering classified loans and monitor the resolution of such actions
- Where necessary take steps to recover assets or negotiate settlement to minimize the losses to the Bank
- Interact primarily with internal/external contacts including account managers, economists and research analysts and trade associations to acquire relevant industry knowledge
- May provide oversight/overview and coaching to less senior staff within Risk Management




- Work closely with business origination on risk aspects of new transactions under consideration and provides direction and guidance to ensure the deal structure adequately mitigates key risk concerns
- Oversee and prepare risk ratings in a timely manner to identify and evaluate the major risks and recommend appropriate internal borrower risk ratings to meet business needs and CDIC/OSFI requirements
- Actively follow business and financial performance through daily monitoring of financial and industry information
- Continuously review internal borrower risk ratings for assigned borrowers
- May provide effective challenge to the product partners to ensure all decisions are within Risk Appetite

Shareholder

- Adhere to enterprise frameworks or methodologies that relate to activities for our business area
- Ensure respective programs/policies/practices are well managed, meets business needs, complies with internal and external requirements, and aligns with business priorities
- Consistently exercise discretion in managing correspondence, information and all matters of confidentiality; escalate issues where appropriate
- Ensure business operations are in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets)




- Participate in cross-functional / enterprise / initiatives as a subject matter expert helping to identify risk / provide guidance for complex situations
- Conduct internal and external research projects; support the development/ delivery of presentations / communications to management or broader audience
- Conduct meaningful analysis at the functional or enterprise level using results to draw conclusions, make recommendations, assess the effectiveness of programs/ policies/ practices
- Monitor service, productivity and assess efficiency levels within own function and implement continuous process / performance improvements where opportunities exists
- Lead / facilitate and/or implement actions / remediation plans to address performance / risk /governance issues
- Actively manage relationships within and across various business lines, corporate and/or control functions and ensure alignment with enterprise and/or regulatory requirements
- Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts
- Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite

Employee / Team

- Participate fully as a member of the team, support a positive work setting that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest
- Provide thought leadership and/ or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business unit
- Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques
- Participate in personal performa

📌 Senior Credit Risk Analyst (Toronto)
🏢 TD Bank Group
📍 Toronto