Financing Analyst analyzing complex business credit files and recommending financing conditions for Desjardins. Conducting credit controls, periodic reviews, and risk - management guidance.
About the role
- Credit risk analyst reporting IFRS 9 allowance and provision results for TD, a major North American bank. Automating reporting, validating data, and supporting governance in Toronto.
Responsibilities
- Prepare and consolidate quarterly enterprise ACL execution results in accordance with IFRS 9
- Ensure accuracy and integrity of ACL/PCL reporting through reviews, reconciliations, and validation
- Prepare and analyze management and regulatory ACL/PCL reports and automate outputs
- Perform first-level investigations and escalate issues or gaps with supporting documentation
- Design and maintain scalable workflows to streamline production and analysis
- Support internal controls, governance, and audit-readiness activities
- Apply self-review practices to verify output accuracy and reduce operational risk
- Develop knowledge of IFRS 9 ACL methodologies, assumptions, and model outputs
- Collaborate with Finance, Credit Risk, Data Management, and Model Development teams on end-to-end ACL processes
- Support internal and external audits and regulatory reviews
- Provide support to Canadian Commercial and Wholesale Allowance teams as required
Requirements
- Bachelor’s degree in Finance, Accounting, Economics, or a related field
- 2+ years of experience in credit risk, finance, or accounting roles, preferably within a financial institution
- Knowledge or experience with IFRS 9 ACL processes preferred
- Effective verbal and written communication skills
- Ability to handle time-sensitive requests and ad-hoc inquiries
- Strong organizational skills and ability to manage multiple priorities and deadlines
- Critical thinking and ability to challenge assumptions
- Exceptional attention to detail and focus on accuracy and quality
- Ability to apply a strong control mindset, perform quality checks, identify control gaps, and support enhancements
- Advanced proficiency in Excel, including data mapping, data preparation, and automation
- Experience with Python, SQL/database querying, Power BI, and AI-assisted development and analytics tools considered an asset
- Willingness to learn, take initiative, and contribute to continuous process improvement
Benefits
- Base salary
- Variable compensation
- Health and well-being benefits
- Savings and retirement programs
- Paid time off
- Banking benefits and discounts
- Career development
- Reward and recognition programs
- Regular development conversations
- Training programs
- Online learning platform
- Mentoring programs
- Training and onboarding sessions
- Workplace accommodations, including accessible meeting rooms and captioning for virtual interviews
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