Senior Credit Analyst - TDEF

TD•Montreal, QC

5d•$96,900 - $136,800•Hybrid

About The Position

This is a Senior Credit Analyst role on the TD Equipment Finance ("TDEF") team based in either Montreal, QC, or Burlington, ON. The position is responsible for preparing credit reviews, approving draw requests, and has responsibilities for monitoring and control within the TDEF portfolio. The Senior Credit Analyst focuses on structuring competitive financing solutions while maintaining credit quality, working on an assigned portfolio of direct dealing clients together with various Sales Account Executives and Account Managers to grow the portfolio, add new clients and meet speed to market expectations. The portfolio includes large mid‑market and corporate borrowers, often with complex, multi‑jurisdictional needs. The role collaborates closely with Commercial National Accounts (CNA), TD Securities (TDS), TDEF’s third‑party syndication partners, and sales teams across Canada. The role requires the ability to underwrite complex transactions and structures in various industries such as transportation, construction, oil & gas, mining, telecom, manufacturing, etc. The Senior Credit Analyst is expected to build strong working relationships with internal partners including Commercial Credit Risk Management, Credit Risk Policy, and Credit Product Group.

Requirements

Undergraduate degree and/or 7+ years of relevant experience
Experience in credit underwriting for commercial banking or equipment financing and/or relevant financial analysis experience (FP&A, corporate finance, etc.).
Excellent analytical, judgement and decision-making skills in assessing and handling risk profile for team processes
A dynamic professional with a positive approach and strong communications skills to liaise with cross-functional teams and colleagues
Robust organizational and with the ability to work in a demanding environment and handle multiple deadlines and priorities

Nice To Haves

Professional designation (CPA, CFA, MBA, etc.) is an asset.
Bilingualism is an asset: English & French

Responsibilities

Continually deliver exceptional service at every interaction and execute on plans to continuously improve the customer experience
Lead all aspects of credit analysis for an assigned portfolio
Be an expert on market, industry and broader economic factors
Identify and respond to changes in the business environment, establishing action plans to address customer issues and priorities
Develop strong relationships with internal /external business partners and use these networks to provide specialized subject matter expertise and proactively manage customer relationships, including contributing to the identification and effective facilitation of reciprocal referrals
Assess complex credit risk in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets) to increase profitability and enable business growth
Contribute to Operational Excellence business objectives and identify, suggest and actively participate in process improvement opportunities
Complete business processes / procedures as well as monitoring and control activities in a timely and accurate manner
Acquire and apply expertise in the role
Provide guidance, assistance and direction to others
Protect the interests of the organization – identify and manage risks, and escalate non-standard, high-risk transactions / activities as necessary
Actively manage relationships within and across various business lines/ corporate and/or control functions and ensure alignment with enterprise and/or regulatory requirements
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
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
Provide thought leadership and/or industry knowledge for own area of 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 new requests and/or annual reviews and / or all relevant or useful information related to day-to-day activities
Contribute to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices.
Lead, motivate and develop relationships with internal and external business partners / stakeholders to develop productive working relationships.
Contribute to a fair, positive and equitable environment that supports a diverse workforce