Group Risk Analyst II, Enterprise Credit Risk Disclosure & Analysis (5118)

TD•Toronto, ON

9d•CA$69,700 - CA$98,400•Onsite

About The Position

The Enterprise Credit Risk Disclosure & Analysis (CRDA) group delivers enterprise-wide analysis, reporting, and insights that support critical decision-making. Its work includes preparing key materials for external stakeholders (analysts, regulators), the Board of Directors, and the Chief Risk Officer (CRO) and Risk Management Leadership Team (RMLT), enabling effective preparation for quarterly earnings calls, regulatory engagements, and major conferences. In line with our mandate, we work closely with a broad set of stakeholders across the Enterprise, including Risk Management, Finance, Investor Relations, TD Economics, Legal and the Businesses, as the CRDA team plays a central role in how key Risk messaging activities are carried out throughout the year. Reporting to the Senior Manager, the Group Risk Analyst II is responsible for a variety of risk reporting materials, with a focus on value-added insights/analysis, including preparation of materials for the Board of Directors/Risk Committee of the Board, CRO, RMLT and Senior leadership across the organization. This role requires a solid understanding of financial reporting, the expected credit losses (ECL) framework, allowance and provisions for credit losses (ACL/PCL) under IFRS 9, data transformation, and visualization tools. It requires frequent interaction with executives and is well-suited for an experienced, mature and strategic communicator with a high degree of initiative, strong relationship management skills and a demonstrated knowledge of the businesses we support, including both retail and non-retail portfolios.

Requirements

Strong analytic, communications (written, verbal, and visualizations) skills, presentation skills, and relationship management with the ability to solve unique and ambiguous problems with broad impact often on tight deadlines
Organization awareness and the ability to locate, analyze and synthesize complex information, both quantitative and qualitative, with exceptional attention to detail and commitment to quality
Professional maturity and critical thinking skills, able to ask the right questions and challenge assumptions, where appropriate
Highly responsive to time-sensitive requests and ad-hoc inquiries, strong sense of urgency
Demonstrated track record of subject matter expertise on emerging trends/developments relevant to the business, including knowledge of relevant tools, techniques, sources
Knowledge of credit risk management and reporting (e.g. loans, borrower risk ratings, probability of default, loss given default)
Undergraduate degree.
2+ years relevant experience is preferred

Nice To Haves

A candidate for CFA, CPA, MBA, FRM or similar designation is preferred

Responsibilities

Produce high quality presentations for external disclosure and executive consumption (such as the risk segment of the quarterly Investor Slides), including drafting key messaging, commentary on risk trends, key drivers, portfolio variances, producing peer comparisons to support CRO presentations at quarterly and ad hoc meetings/conferences (e.g. including discussions with the Board of Directors, Risk Committee of the Board, senior leadership, etc.)
Assist leadership with recommendations in producing analysis, key messaging/communications across BAU credit risk activities, as well as ad hoc analyses & portfolio deep-dives
Collaborate with key business partners to proactively identify emerging risk areas for the Bank/industry, compile supporting information by conducting internal and external research, and produce presentations/communications/messaging to be referenced by the Chief Risk Officer and other stakeholders.
Work collaboratively with stakeholders across the Enterprise including the RMLT and their respective groups to aid the preparation of the CRO for the earnings call or related events, including validation of key credit metrics and drivers, providing recommendations for disclosure such as MD&A, investigating and solving complex issues, and preparing executive level messaging
Advanced proficiency in Excel and ability to leverage AI tools such as Co-pilot to streamline data workflows, enhance automation, and produce impactful visualizations of complex data
Provide thought leadership, industry knowledge and participate in knowledge transfer within the team and keep current on emerging trends and grow knowledge of the businesses
Lead, motivate and develop relationships with internal and external stakeholders to develop productive working relationships.