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Credit Analyst II- Commercial Banking

Calgary, AB
Full Time
4 days ago
Company Overview

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Department Overview

TD Auto Finance (TDAF) is a dynamic division within TD. This is an exciting opportunity to join a rapidly growing business with 3 newly created Automotive Banking Centres located in Toronto, Calgary and Montreal. Led by regional market leaders, our team of commercial bankers is focused on providing a robust array of financing and cash management solutions to our clients within the automotive dealership industry in Canada.
TDAF's goal is to become Canada's #1 auto lender. We are over 900 people strong including an external sales team located coast to coast, as well as teams in credit adjudication, funding, inside sales, loan administration, customer service, collections and recovery, and our federated functions of risk management, technology solutions, finance & human resources.

Job Description
Can you structure credit for assigned portfolios and assess credit worthiness of potential customers? If so, then apply for the position of Credit Analyst II- Auto Finance. You will prepare credit reviews, approve draw requests and have responsibilities for monitoring and control for driving profitable business growth while adhering to TD's credit risk policies. Furthermore, you will:
  • Support the Relationship Manager in booking new business by preparing competitive credit packages in the assigned business segment on time to meet customer needs
  • Continually deliver exceptional customer service at every interaction and execute on plans to continuously improve the customer experience
  • Lead all aspects of analysis for an assigned portfolio
  • Assess credit risk in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, risk policies) to increase profitability and enable business growth
  • Dedicatedly promote products, sales, services and banking capabilities
  • Contribute to business objectives for Operational Excellence
  • Integrate the broader organizational context into advice and solutions within own area
  • Understand the industry, competition and the factors that differentiate the organization
  • Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and collaboration and ensure timely communication of issues/ points of interest
  • Provide thought leadership 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

  • Undergraduate degree and/or over 5 years of relevant experience in Business, Economics, Finance or other quantitative discipline
  • Very solid credit, analytical and problem solving skills
  • Previous experience in Commercial Banking as an Analyst or financial modeling experience would be an asset
  • Proficient in using Windows and MS Office Suite (Word, Excel, PowerPoint and Outlook)
  • Strong communications and organizational skills with the ability to multi-task and adapt to change in a dynamic fast-paced environment
  • A high-energy individual who can be detail oriented and exercise initiatives with minimal discretion

Additional Information



At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.
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