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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