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Pour obtenir de plus amples renseignements, consultez notre **.****Lieu de travail :**Vancouver, Colombie-Britannique, Canada**Horaire :**37.5**Secteur d’activité :**Gestion du crédit**Détails de la rémunération :**$96,900 - $136,800 CADLa TD a à cœur d’offrir une rémunération juste et équitable à tous les collègues. Les occasions de croissance et le perfectionnement des compétences sont des caractéristiques essentielles de l’expérience collègue à la TD. Nos politiques et pratiques en matière de rémunération ont été conçues pour permettre aux collègues de progresser dans l’échelle salariale au fil du temps, à mesure qu’ils s’améliorent dans leurs fonctions. Le salaire de base offert peut varier en fonction des compétences et de l’expérience du candidat, de ses connaissances professionnelles, de son emplacement géographique et d’autres besoins particuliers du secteur et de l’entreprise. En tant que candidat, nous vous encourageons à poser des questions sur la rémunération et à avoir une conversation franche avec votre recruteur, qui pourra vous fournir des détails plus précis sur ce poste.**Description du poste :**Structure credit for assigned portfolios, with focus on assessing credit worthiness or risk of potential customers to drive profitable business growth while adhering to TD's credit risk policies. Based on industry knowledge, specialized credit acumen, and understanding of customer needs, Senior Credit Analysts are accountable for underwriting new credit requests, completing annual credit reviews, coordinating (or managing) draw requests, along with responsibilities for monitoring and controlling credit facilities.**CUSTOMER*** Structure and package competitive credit solutions in a timely manner to meet customer needs jointly with the Relationship Manager* 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* Utilize sales platform to build a robust understanding of our customers/ target needs, industries and markets* 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* Assist the Relationship Manager in cross-selling the full range of products to existing and new customers, as applicable, to maximize revenue/profit and retention of relationships based on the risk profile of the customer ensuring appropriate credit is earned at all times* 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* Actively refer to other business partners across TDBG and respond effectively to reciprocal referrals.**SHAREHOLDER*** 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* Develop / implement strategies to proactively promote products, sales, services and banking capabilities* 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**EMPLOYEE / TEAM*** 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**BREADTH & DEPTH*** Expert level professional role requiring substantial knowledge / expertise in a complex field and knowledge of broader related areas* Ensuring advice and solutions provided within own area of expertise align with the Enterprise strategic priorities, including risk appetite, customer experience* Collaborate with cross-functional partners, acting as a subject matter expert in their field of specialty* Interprets internal/external business challenges and the industry environment, recommends course of action and best practices to improve products, processes or services* Independently manage end-to-end functional programs* Solves or may lead others to solve complex problems; leads efforts or partners with others to develop new solutions* Uses sophisticated analytical thought to exercise judgement and identify solutions* Work is guided by policies and industry standards/methods* Communicates difficult concepts; converts information to compelling business context and advice; influences and gains alignment across increasingly senior stakeholders* Works independently with minimal management guidance and supervisions* Generally, reports to the Senior Manager, Credit Management**EXPERIENCE & EDUCATION*** Undergraduate degree and/or* 7+ years of relevant experience**À propos de nous**La TD est un chef de file mondial dans le secteur des institutions financières.#J-18808-Ljbffr