Job description
TD Description
With more than 6,500 professionals operating out of 40 cities across the globe, we help clients meet their needs today and prepare for tomorrow. Our services include underwriting and distributing new issues, providing trusted advice and industry-leading insight, extending access to global markets, and delivering integrated transaction banking solutions. In 2023, we acquired Cowen Inc., offering our clients access to a premier U.S. equities business and highly-diverse equity research franchise, while growing our strong, diversified investment bank.
We are growth-oriented, people-focused, and community-minded. As a team, we work to deliver value for our clients every day. www.td.com
Job Description
Job Requirements
- Accountable for larger, more complex credits and have higher approval limits
- Independently discusses and recommends alternative structures, overall assessments, and any outstanding requirements with merchant Sales Reps
- Performs quality underwriting for merchant application requests; May begin to analyze requests in a specific industry, that are complex in structure, or of a large market nature. Approves and/or recommends accounts within established merchant credit policy and individual credit approval limit authority
- Independently prepares analyses for designated merchant accounts that includes identifying any deviations from the merchant policy, recommending processing or reserve changes in order to preserve profitability, reduce credit risk and merchant exposure
- Performs a financial analysis on customer-provided or bank-generated projections including the performance of "what-if" scenarios that test the reasonableness of the projections provided to the Company
- Collect and maintain industry data from outside sources, including conversations with the borrower, industry publications, payment card network information, etc to assist with approach to risk assessment
- Participates in and/or assists in leading internal training activities to sales and customer service employees.
- Participates in special projects and performs additional duties as required e.g. AML reporting
- Represents TD at civic, professional and bank-sponsored events; serve on non-profit boards and participate in professional organizations, as opportunities become available
Qualifications
- 4 year degree or equivalent
- 3+ years of credit risk experience
- Credit and Financial statement analysis experience
- Highly motivated and committed to providing superior service
- Strong communication skills, interpersonal skills and the ability to work independently and as part of a team are essential
- Requires superior analytical skills and the ability to exercise sound judgment to make decisions
- Proven accuracy, well organized and able to multi-task to meet SLAs
- Expert knowledge of practices and procedures as related to Payment Card Network rules and regulations
Inclusiveness
At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach their potential.
If you are a candidate with a disability and need an accommodation to complete the application process, email the TD Bank US Workplace Accommodations Program at USWAPTDO@td.com . Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.
EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.
Job Family
Job Category - Primary
Job Category(s)
Hours
Business Line
Time Type
Employment Type
Pay Range
Country
State
City
Work Location
State (Primary)
City (Primary)
Job Expires
abouteureka.com is the go-to platform for job seekers looking for the best job postings from around the web. With a focus on quality, the platform guarantees that all job postings are from reliable sources and are up-to-date. It also offers a variety of tools to help users find the perfect job for them, such as searching by location and filtering by industry. Furthermore, abouteureka.com provides helpful resources like resume tips and career advice to give job seekers an edge in their search. With its commitment to quality and user-friendliness, abouteureka.com is the ideal place to find your next job.