Analyst III, Commercial Mortgage Group

TD•Toronto, ON

3d•Onsite

About The Position

Reporting directly to the Assistant Manager Mortgage Credit, the Analyst will be an integral part of our credit team, playing a pivotal role in credit underwriting for both new and existing TD Bank clients. Their primary focus is on assessing the creditworthiness and risk profiles of potential customers, which is essential for driving profitable business growth while ensuring strict adherence to TD's credit risk policies. The Commercial Mortgage Group (CMG) supports Business Banking / TD Securities / TD Canada Trust in providing a commercial mortgage product that is competitive within the Canadian marketplace. Our goal is to deliver a commercial mortgage product at all times and in all market conditions, subject to assets, structure and other risk parameters being acceptable.

Requirements

Above average analytical skills
Strong aptitude for problem solving
Good organizational skills
Team player
A sound communicator
Ability to work in a fast-paced environment
Strong interpersonal skills
Undergraduate degree
Minimum 1 year of relevant credit underwriting experience is required

Nice To Haves

Professional Proficiency in French and English is preferred

Responsibilities

Lead the underwriting process for new deals and conduct annual credit reviews, making sure all aspects of credit risk are thoroughly considered and addressed.
Prepare comprehensive credit packages for new business within the Multi-Unit properties segment, delivering results promptly to meet the evolving needs of our customers.
Ensure consistent and timely communication regarding the status and progress of credit requests, annual reviews, and other daily activities, keeping all relevant stakeholders informed.
Take ownership of a designated portfolio, overseeing all aspects to ensure optimal management and maintaining expires within department threshold.
Proactively identify early warning signs of deteriorating credits within the portfolio, and recommend informed, effective courses of action.
Seek out and recognize new business opportunities, both within our current customer base and branch partner network opportunities.
Communicate the Bank’s requirements clearly and professionally, managing expectations for both customers and retail branch partners to ensure a smooth experience.
Build and nurture a robust network of contacts across the Bank and with key industry professionals—such as CMHC and third-party consultants—to continually enhance your underwriting expertise and service quality.
Stay informed about market conditions, customer needs, and the broader economic landscape and constantly expand your personal knowledge.
Engage as a fully contributing member of the team, promoting a positive and collaborative work environment that values quality, innovation, and open communication.
Take part in ongoing personal and professional development, including cross-training and actively engaging in performance management activities.
Contribute to the development of team skills and capabilities by mentoring others, sharing valuable experiences, and leveraging best practices for collective success.