Senior Credit Risk Analyst (ATH 5209)
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Key skills for this role
About the Role
TD is seeking a Senior Credit Risk Analyst to perform IFRS 9 Expected Credit Loss analysis and forecasting for Canadian Retail Credit Products. You will lead ECL analysis, develop credit loss estimate techniques, and support risk management decisions.
Key Skills for This Role
Responsibilities
- Lead the comprehensive ECL analysis for Retail Products, including attribution of key drivers, variable impact, and explanation of variances
- Develop and maintain credit loss estimate techniques to support key allowance methodology development
- Work with Risk Management and Product partners to research and develop value added analysis
- Support all Risk business partner inquiries and analysis pertaining to ECL
- Support the management adjustment process, a key process in the ECL reporting and forecasting
- Use analytical skills and business intuition to understand the scale of risk, identify risk trends, explain drivers to non technical audience
- Establish, maintain, and improve the management review and governance control framework to meet audit and accuracy standards
- Support the ECL forecasting and planning methodology
- Continue improving the BAU processes to support IFRS9 reporting & forecasting
Requirements
- Post secondary degree in a quantitative field such as Mathematics, Statistics, Economics, Computer Science or Engineering would be an asset
- Knowledge in retail banking products, IFRS9 framework, allowance calculation, predictive modelling and forecasting is a definite asset
- Excellent working knowledge and hands on experience using Python, SAS and SQL in the context of data manipulation, data mining, and analysis
- Good working knowledge of various AI tools for process enhancement is an asset
- Demonstrated strong analytical and problem solving skills
- Excellent verbal and written communication skills
- Solid time management, organizational and multi tasking skills
- Able to learn new concepts and techniques quickly
- Advance skills in Excel, Word, and PowerPoint combined with Copilot experience
- Must be a good team player
Full Job Posting
Department Overview
- Retail Risk Management is responsible for the development and execution of risk strategies and initiatives.
- The Credit Allowance Forecasting and Analysis team is responsible for Credit Loss Allowance across all Retail product portfolios.
Job Description
- Lead the comprehensive ECL analysis for Retail Products, including attribution of key drivers, variable impact, and explanation of variances.
- Develop and maintain credit loss estimate techniques to support key allowance methodology development.
- Work with Risk Management and Product partners to research and develop value added analysis.
- Support all Risk business partner inquiries and analysis pertaining to ECL.
- Support the management adjustment process.
- Use analytical skills and business intuition to understand the scale of risk, identify risk trends, explain drivers to non technical audience.
- Establish, maintain, and improve the management review and governance control framework.
- Support the ECL forecasting and planning methodology.
- Continue improving the BAU processes to support IFRS9 reporting & forecasting.
Job Requirements
- Post secondary degree in a quantitative field such as Mathematics, Statistics, Economics, Computer Science and Engineering would be an asset.
- Knowledge in retail banking products, IFRS9 framework, allowance calculation, predictive modelling and forecasting is a definite asset.
- Excellent working knowledge and hands on experience using Python, SAS and SQL.
- Good working knowledge of various AI tools for process enhancement is an asset.
- Demonstrated strong analytical and problem solving skills.
- Excellent verbal and written communication skills.
- Solid time management, organizational and multi tasking skills.
- Able to learn new concepts and techniques quickly.
- Advance skills in Excel, Word, and PowerPoint combined with Copilot experience.
- Must be a good team player.
Pay Details
- CAD 81,600 CAD 115,200 per year.
- TD offers a Total Rewards package including base salary, variable compensation, health and well being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs.
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