Risk Manager I-CDPP Credit Risk Management

TD • Wilmington, DE

1d • $120,000 - $145,600 • Onsite

About The Position

The Risk Manager I manages the creation, implementation, and validation of risk segmentation strategies, including adjudication, account management, exposure management, risk segmentation, and financial return optimization. The role provides critical information, interpretation, and detailed analysis, and deploys credit risk strategies to ensure decisions align with TD’s risk appetite and comply with governmental requirements and guidelines. It provides a broad range of risk management expertise and uses complex data, advanced analytical approaches, and business intelligence tools to investigate, create, implement, and validate risk segmentation strategies and policies.

The position demonstrates governance, control, and risk management behaviors in alignment with TD policies and practices. It supports or leads initiatives, workflow development, services or applications, operational efficiencies, and special project teams or cross-functional work groups. The role enhances credit risk assessment capabilities, analyzes information and recommends critical strategies to Senior Management, and reports on implemented strategies using quantitative methods and management information systems. It collaborates with teams outside Risk, supports Internal Audit and External Regulators by maintaining complete and current process documentation, promotes sound credit control, and communicates relevant issues in a timely manner.

The position is based in Wilmington, Delaware. The listed schedule is 40 hours, and the stated salary range is $120,000–$145,600 USD. TD describes its total rewards as including salary and potential variable compensation, health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and recognition. It also describes training and onboarding, development conversations, online learning, and mentoring programs.

Requirements

• Bachelor’s degree required.
• At least 5 years of experience required.
• Proficient PC skills, including strong competency in MS Excel and PowerPoint, and experience with PC-based analytical and reporting software packages.
• Experience with relational databases and Extract Transform Load (ETL) processes using common languages such as SQL or SAS.
• Familiarity with analytical or reporting tools such as SAS, R, Matlab, and Tableau.
• Strong analytical and problem-solving skills to interpret data and draw conclusions.
• Experience in data modeling and risk management from a business administration, statistical, mathematical, scientific, or financial background.
• Excellent written and verbal communication skills.
• Experience developing and presenting recommendations to Senior Management.

Nice To Haves

• Graduate degree preferred.
• Advanced experience in SQL, SAS, and Python.
• Credit Risk Management experience.
• Experience in modeling.
• Advanced data analytics experience.
• Cross-functional collaboration experience.
• Experience with AI.
• Master’s degree in economics, finance, and/or statistics.

Responsibilities

• Demonstrate governance, control, and risk management behaviors in alignment with TD policies and practices.
• Lead or participate in identifying, developing, and implementing initiatives, operating workflows, additional services or applications, and operational efficiencies; potentially lead special project teams or cross-functional work groups.
• Assist with developing and enhancing credit risk assessment capabilities to identify and maintain good business opportunities with new and existing clients.
• Perform detailed analysis and interpret information to make recommendations to Senior Management on critical strategies, including non-standard and ad-hoc requests.
• Create regular reports on implemented strategies using appropriate quantitative methods and management information systems, and recommend ways to increase efficiencies and revenue while managing credit risk.
• Work cross-functionally with teams outside of Risk.
• Work with Internal Audit and External Regulators to ensure documentation for work processes is complete and up to date.
• Ensure sound credit control through a proactive approach to risk management within the Bank’s risk guidelines.
• Communicate relevant issues to the team in a timely manner and encourage good working relationships with internal and external groups.
• Create, implement, and validate risk segmentation strategies and policies using complex data, advanced analytical approaches, and business intelligence tools.

Benefits

• Health and well-being benefits
• Savings and retirement programs
• Paid time off, including Vacation PTO, Flex PTO, and Holiday PTO
• Banking benefits and discounts
• Career development
• Reward and recognition
• Training and onboarding
• Online learning platform and mentoring programs
• Potential cash and/or equity incentive awards through participation in an incentive plan

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level