Work Location: Montréal, Quebec, Canada Hours: 37.5 Line of Business: Credit Management Pay Details: $96,900 - $136,800 CAD Job Title: Senior Credit Analyst – TD Equipment Finance (TDEF) This role is located in either Montreal, QC, or Burlington, ON. The Senior Credit Analyst prepares credit reviews, approves draw requests, and monitors and controls the TDEF portfolio. The analyst structures competitive financing solutions while maintaining credit quality and works on an assigned portfolio of direct dealing clients in partnership with 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 with complex, multi‑jurisdictional needs. The analyst collaborates with Commercial National Accounts, TD Securities, TDEF’s third‑party syndication partners, and sales teams across Canada to underwrite complex transactions in industries such as transportation, construction, oil & gas, mining, telecom, and manufacturing. Customer Responsibilities Deliver exceptional service at every interaction and 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 and external business partners and use these networks to provide specialized subject‑matter expertise and proactively manage customer relationships, including identifying and facilitating reciprocal referrals. Shareholder Responsibilities Assess complex credit risk in compliance with internal and external requirements to increase profitability and enable business growth. Contribute to operational excellence business objectives and suggest process improvement opportunities. Complete business processes and monitoring and control activities in a timely and accurate manner. Acquire and apply expertise in the role and provide guidance, assistance, and direction to others. Protect the interests of the organization by identifying and managing risks, and escalating non‑standard, high‑risk transactions when necessary. Manage relationships within and across various business lines and ensure alignment with enterprise and regulatory requirements. Ensure due diligence to support accurate customer transactions and activities. Stay abreast of emerging issues and trends and assess potential impacts. Minimize operational and regulatory risk by complying with bank and industry code of conduct. Employee / Team Responsibilities Participate fully as a team member, support a positive work environment, and communicate issues and points of interest in a timely manner. Provide thought leadership and industry knowledge in own area and participate in knowledge transfer. Keep current on emerging trends and grow knowledge of business, tools, and techniques. Participate in personal performance management and development activities, including cross training within the team. Keep others informed about the status of new requests, annual reviews, and day‑to‑day activities. Mentor others, share knowledge and experiences, and leverage best practices to develop team skills and capabilities. Lead, motivate, and develop relationships with internal and external stakeholders. Contribute to a fair, positive, equitable environment that supports a diverse workforce. Breadth & Depth Expectations Expert level professional with substantial knowledge in a complex field and related areas. Ensure advice and solutions align with enterprise strategic priorities, risk appetite, and customer experience. Collaborate with cross‑functional partners as a subject‑matter expert. Interpret business challenges and industry environment, recommend actions and best practices. Develop and implement new solutions to complex problems. Use sophisticated analytical thought to exercise judgement and identify solutions. Work according to policies and industry standards. Communicate complex concepts in a business context and influence senior stakeholders. Work independently with minimal supervision. Report to Senior Manager, Credit Management. Experience & Education Undergraduate degree and/or 7+ years of relevant experience. Professional designation (CPA, CFA, MBA, etc.) is an asset. Experience in credit underwriting for commercial banking or equipment financing and/or financial analysis (FP&A, corporate finance). Excellent analytical, judgement, and decision‑making skills for assessing risk profiles. Positive approach, strong communication skills, and ability to liaise with cross‑functional teams. Robust organizational skills and ability to manage multiple deadlines and priorities. English & French bilingualism is an asset. TD is committed to employment equity and welcomes applicants from all backgrounds. This position is open to candidates who meet the required qualifications. #J-18808-Ljbffr