Credit Analyst

Operating as a part of the Business Bank, the Small Business Credit center is comprised of a team of Group Managers, credit analysts and credit managers focused on delivering timely credit decisions to our partners in the retail network right across the country. We strive to deliver first time right credit decisions, with a focus on growing market share while at the same time managing our risk appetite and regulatory framework. Our vision is to innovate and invest to deliver legendary value with speed. How we execute against that vision is to leverage our enterprise scale, process expertise, and lean disciplines to efficiently deliver capabilities while supporting our partners to effectively compete in the markets that they serve as a legendary One TD team.

As a Credit Analyst your role is to adjudicate/underwrite credit applications for Small Business requests while continuing to develop excellent customer service skills and delivering a legendary customer experience to our partners.

• Optimize credit opportunities by assisting partners in adjudicating, structuring, packaging and authorizing credits
• Maintain good relationships with partners including responding to questions and concerns
• Contribute to operational improvements to streamline procedures/processes and enhance service
• Protect the interests of the Bank by ensuring credit is being adjudicated in accordance with assigned discretionary limits and established guidelines
• Perform due diligence in support of all credit applications
• Escalate with recommendation those credit applications that exceed discretionary limits and established guidelines
• Strong credit acumen- Subject Matter Expert with knowledge of credit adjudication and analysis
• Strong knowledge of various Adjudication platforms
• Advanced knowledge of products, end-to-end processes and systems
• Ability to identify and investigate non-standard operational / reporting / process issues
• Moderate to High level of complexity in operational / reporting / process and/or analysis
• Moderate to High credit limit authorization required for credit adjudication
• Experience in adjudication of complex credit applications involving multiple step transactions / processes / activities that may involve numerous systems and range in complexity from medium to high
• Ability to identify and investigate non-standard operational / reporting / process issue
• Ability to provide training to others on best practices, processes, etc. as well as guide mentor other team members for the completion of business

The successful applicant must have previous credit manager experience, strong credit acumen and has held credit limits.

• Previous adjudication experience, strong credit acumen and has experience holding credit limits in a previous role
• Experience in an exception lending environment
• Above average analytical skills, strong aptitude for problem solving, organization and planning
• Proven ability to deliver on Customer Experience goals
• Strong aptitude for risk

Skills Category:

• Analytical Skills
• Presentation Skills
• Business Intelligence
• Organized, detail oriented and ability to multi task effectively
• Research
• Time management
• Negotiation Skills
• Relationship Management
• Effective Communication
• Interpersonal Skills
• Computer Skills

Who We Are:

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you.

Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more

Additional Information:
We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

Colleague Development
If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.

Training & Onboarding
We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.

Interview Process
We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation
Your accessibility is important to us. Please let us know if you'd like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!

Language Requirement (Quebec only):
Sans Objet

Client-provided location(s): Edmonton, Canada

Job ID: TD_bank-R_1446437

Employment Type: FULL_TIME

Posted: 2025-09-25T23:41:29