Credit Analyst I, Agricultural Services

TD•Regina, SK

11d•Onsite

About The Position

This professional role focuses on structuring credit for an assigned portfolio, assessing the creditworthiness or risk of potential customers to drive profitable business growth while adhering to TD's credit risk policies. The incumbent is responsible for preparing credit reviews, approving draw requests, and monitoring and controlling credit activities. The role involves providing specialized business services, advisory, or process/program support within a defined area of specialty, requiring sound conceptual knowledge. It includes investigating and analyzing potential solutions, ensuring the implementation of processes and functional programs, and executing work of some complexity with a short to medium-term focus. The Credit Analyst I is accountable for their own work and the effective coordination of processes and information across related teams, delivering on assigned initiatives, projects, and programs with some direction from management.

Requirements

Undergraduate degree and/or 3+ years of relevant experience
Sound conceptual knowledge in their own field of specialty

Responsibilities

Support the Relationship Manager in booking new business by preparing competitive credit packages in the assigned business segment in a timely manner to meet customer needs
Continually deliver exceptional customer service at every interaction and execute on plans to continuously improve the customer experience
Conduct appropriate market, industry and client research and risk analysis in support of the credit development and credit submission processes where appropriate
Prepare documentation in support of financial solutions for clients, including review and commentary on credit facility term sheets and timely completion of client presentations
Prepare and recommend credit submissions including annual and interim client reviews
Assist the AM in cross-selling the full range of products to existing and new customers, as applicable to maximize revenue/profit and retention of relationships based on the risk profile of the customer ensuring appropriate credit is earned at all times
Contribute to the achievement of business objectives through exceptional customer service and risk support to increase profitability and enable business growth
Support the promotion of products, sales, services and banking capabilities
Contribute to business objectives for Operational Excellence
Complete business processes and procedures in a timely and accurate manner
Protect the interests of the organization – identify and manage risks, and escalate non-standard, high risk activities as necessary
Ensure documentation that is prepared / completed is accurate and properly reflects client / business intentions and is consistent with relevant rules / regulations
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
Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite
Assume responsibility to minimize operational and regulatory risk by complying with 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/ points of interest
Support the team by continuously enhancing knowledge / 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 projects and / or all relevant or useful information related to day-to-day activities
Contribute to the success of the team by willingly assisting others in the completion and performance of work activities; provide training, coaching and/or guidance as appropriate
Contribute to a fair, positive and equitable environment that supports a diverse workforce