Analyste principal analysant des dossiers de financement complexes pour Investissement Québec. Recommandations de crédit, évaluation des risques et soutien au réseau régional québécois.
About the role
- Credit Analyst II structuring and underwriting portfolio credit for TD, a major North American bank. Assessing risk, preparing credit packages, and supporting relationship managers.
Responsibilities
- Structure credit for assigned portfolios by assessing customer creditworthiness and risk
- Underwrite new credit requests and complete annual credit reviews
- Coordinate or manage draw requests and monitor and control credit facilities
- Support the Relationship Manager by preparing competitive credit packages
- Deliver exceptional customer service and improve the customer experience
- Lead analysis for assigned portfolios
- Use the sales platform to understand customer and target needs, industries, and markets
- Build knowledge of markets, customers, and broader economic factors
- Identify business-environment changes and establish action plans for customer issues and priorities
- Assist with cross-selling products to existing and new customers based on customer risk profiles
- Refer customers to other business partners and respond to reciprocal referrals
- Promote products, sales, services, and banking capabilities
- Participate in process improvement and Operational Excellence initiatives
- Manage relationships across business lines, corporate functions, and control functions
- Ensure due diligence and transaction accuracy
- Participate fully as a team member and support a positive, equitable work environment
- Provide thought leadership and transfer knowledge within the team and business unit
- Participate in performance management, development, and cross-training
- Mentor others and share knowledge and best practices
- Report generally to the Senior Manager, Credit Management
Requirements
- Undergraduate degree and/or 5+ years of relevant experience and/or Associate Program
- Knowledge and expertise in credit management and credit risk assessment
- Ability to underwrite new credit requests and complete annual credit reviews
- Ability to assess credit risk in compliance with internal and external requirements
- Ability to interpret guidelines, standards, policies, and analysis results
- Ability to structure credit requests and solve complex problems
- Ability to manage risks and escalate non-standard, high-risk transactions or activities
- Ability to complete business processes, procedures, monitoring, and control activities accurately and on time
- Ability to keep current on emerging issues, trends, and regulatory requirements
- Ability to build productive relationships with internal and external stakeholders
- Ability to work under moderate guidance and supervision
- Commitment to complying with Bank and industry Code of Conduct
Benefits
- Base salary
- Health and well-being benefits
- Savings and retirement programs
- Paid time off
- Banking benefits and discounts
- Career development
- Reward and recognition programs
- Regular career, development, and performance conversations
- Online learning platform
- Mentoring programs
- Training and onboarding sessions
- Interview accommodations, including accessible meeting rooms and captioning for virtual interviews
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