Credit Analyst II - TDAF
About The Position
TD Auto Finance (TDAF) is a dynamic division within TD, focused on providing bespoke financing and cash management solutions to clients within the automotive dealership industry in Canada. The TDAF Commercial team lends to auto dealers across the country, offering comprehensive solutions for their banking needs. The portfolio includes real estate and acquisition financing, operating credit, floor plan financing, lease lines, and equipment finance, with transactions ranging significantly in size and complexity. TDAF aims to be Canada’s #1 auto lender and comprises over 900 employees across various functions including credit adjudication, funding, sales, loan administration, customer service, collections, recovery, risk management, technology, finance, and human resources.
Requirements
- Undergraduate degree and/or relevant experience in Business, Economics, Finance, or other quantitative discipline
- Bilingual (French and English).
- Prior experience in credit analysis in commercial banking is strongly preferred.
- Sound credit, analytical and problem-solving skills.
- Strong team player, with an ability to work both in a team environment and independently.
- The ability to engage in active dialogue with internal and external stakeholders (Unit VP/Credit VP/AVP, Market Leads, clients, legal counsel etc.).
- Strong communications and organizational skills with the ability to multi-task and adapt to change in a dynamic fast-paced environment.
- A high-energy leader who can be detail oriented, exercise initiatives with minimal direction.
Nice To Haves
- Financial modeling experience would be an asset.
Responsibilities
- Support the Relationship Manager in booking new business by preparing competitive credit packages within established timeframes 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 covering customers across Quebec.
- 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.
- Recommend credit applications to the AVP Credit and/or Senior Manager, Credit Management.
- Liaise with deal team members to ensure coordinated and timely transaction execution.
- Provide ongoing monitoring and control processes for the portfolio in accordance with internal Bank policies.
- 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/mentorship within the team and business unit.
- Keep current on emerging trends and developments and understand the business, related tools and techniques.
- Contribute to, and lead, various ad-hoc initiatives which may be assigned from time-to-time.
Benefits
- base salary
- variable compensation
- health and well-being benefits
- savings and retirement programs
- paid time off
- banking benefits and discounts
- career development
- reward and recognition programs
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
