Senior Credit Analyst, TDEF

About the role

Work Location: Burlington, Ontario, Canada Hours: 37.5 Line of Business: Credit Management Pay Details: 96 900$/$96,900 - 136,800$/$136,800 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: This is a Senior Credit Analyst role on the TD Equipment Finance ("TDEF") team based in Burlington, ON. The position is responsible for underwriting credit reviews, adjudicating within discretionary limits, reviewing draw requests, and performing monitoring and control activities within the TDEF portfolio. The Senior Credit Analyst focuses on structuring competitive financing solutions while maintaining credit quality. The role supports an assigned portfolio of direct-dealing clients, working closely with Sales Account Executives and Account Managers to grow the portfolio, onboard new clients, and meet speed-to-market expectations. This role reports to the Senior Manager, Credit Management, TD Equipment Finance. The portfolio includes mid-market and corporate borrowers. The role covers Ontario and Atlantic Canada, collaborating closely with dedicated TDEF Account Executives, mid-market Commercial Banking teams, and Commercial National Accounts (CNA). The role requires the ability to underwrite complex transactions and structures in various industries such as transportation, construction, mining, manufacturing, and others. The Senior Credit Analyst is expected to build strong working relationships with internal partners including Commercial Credit Risk Management, Credit Risk Policy, and Credit Product Group. CUSTOMER 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 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 Develop strong relationships with internal and 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 SHAREHOLDER Assess complex credit risk in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets) to increase profitability and enable business growth Contribute to Operational Excellence business objectives and identify, suggest and actively participate in 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 and ensure alignment with enterprise and/or regulatory requirements 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 EMPLOYEE / TEAM 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 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 performance management and development activities, including cross training within own team Keep others informed and up to date about the status / progress of new requests and/or annual reviews and / or all relevant or useful information related to day-to-day activities Contribute to team development of skills and

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