Work Location
Southfield, Michigan, United States of America
Hours 40
Pay Details $68,640 - $102,960 USD
TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job‑related knowledge, geographic location, and other specific business and organizational needs.
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
Line Of Business Risk Management
Job Description Summary The Risk Portfolio Analyst III provides skilled analytical research, analysis, and project-oriented support. Analyzes the quality of key risk components of assigned retail credit portfolios. Provides analysis of portfolio risks and makes recommendations to Senior Management regarding the direction of future lending activities. Interacts with external accountants and regulators; the Federal Reserve, Office of Traveler of Currency (OCC), and Office of the Superintendent of Financial Institutes (OSFI) and interacts with Risk and Analytical professionals at TDCT and TDBFG. In accordance with the governing principles outlined in the TD Enterprise Risk Appetite Statement and the framework documented in the Retail Credit Risk Management Mandate, the Risk Portfolio Analyst is responsible to effectively manage, monitor and control risk of the retail lending segments within TD Bank.
Depth & Scope
Performs functions noted for Risk Portfolio Analyst II
Manages complex analytical initiatives and interacts with TDCT Risk and Retail Lending lines of businesses
Works independently and interacts with internal/external accountants, auditors and bank regulators
Directs credit activities relating to risk exposure, credit policy, and credit underwriting changes to Senior Money-out Executives
Mentors junior level analysts
Oversees the retail credit portfolio analysis in support of financial, regulatory and risk management requirements
Provides guidance and assists staff with most complex aspects of work as necessary
Shares knowledge with others in the group
Contributes to and supports achievement of department/business unit goals
Acts as subject matter expert in assisting the Manager of Risk Analytics during the analysis for the U.S. Allowance for Loan and Lease Losses (ALLL) for the Retail Credit Portfolios
Acts as a lead in other risk management related duties or special projects and performs additional duties as necessary
Exercises independent judgment by displaying and reaching conclusions on the most complex portfolio issues as well as assumes accountability for high quality recommendations regarding the credit portfolio
Supports results of analytical initiatives on portfolio modeling (including Basel), Stress Testing, migration analysis, and Allowance for Loan and Lease Losses (ALLL)
Develops analytical white papers for assigned portfolio considering current economic environments
Forecasts impact to assigned portfolio
Determines risk exposure, mitigation, and controls for new products, marketing campaigns, and expansion of existing programs
Establishes oversight of business lines compliance/risk controls and periodically evaluates risk mitigation efforts to make adjustments as risk/department influences change
Ensures TD Bank maintains successful audits and exams within all areas
Education & Experience
Bachelor's degree required, Graduate Degree preferred or progressive work experience in addition to experience below
7 Years of related experience
Strong PC skills including proficiency in a variety of PC-based analytical and reporting software packages
In depth knowledge of portfolio analysis techniques and processes
Extensive analytical skills and practical knowledge of descriptive statistics
Excellent research skills required for industry analysis
Excellent written and verbal communication skills
Experienced in presenting to Senior Executives and Board of Directors
Physical Requirements Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
Domestic Travel – Occasional
International Travel – Never
Performing sedentary work – Continuous
Performing multiple tasks – Continuous
Operating standard office equipment - Continuous
Responding quickly to sounds – Occasional
Sitting – Continuous
Standing – Occasional
Walking – Occasional
Moving safely in confined spaces – Occasional
Lifting/Carrying (under 25 lbs.) – Occasional
Lifting/Carrying (over 25 lbs.) – Never
Squatting – Occasional
Bending – Occasional
Kneeling – Never
Crawling – Never
Climbing – Never
Reaching overhead – Never
Reaching forward – Occasional
Pushing – Never
Pulling – Never
Twisting – Never
Concentrating for long periods of time – Continuous
Applying common sense to deal with problems involving standardized situations – Continuous
Reading, writing and comprehending instructions – Continuous
Adding, subtracting, multiplying and dividing – Continuous
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.
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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.
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 base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. 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.
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.
If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.
We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.
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 TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.
#J-18808-Ljbffr
Hours 40
Pay Details $68,640 - $102,960 USD
TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job‑related knowledge, geographic location, and other specific business and organizational needs.
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
Line Of Business Risk Management
Job Description Summary The Risk Portfolio Analyst III provides skilled analytical research, analysis, and project-oriented support. Analyzes the quality of key risk components of assigned retail credit portfolios. Provides analysis of portfolio risks and makes recommendations to Senior Management regarding the direction of future lending activities. Interacts with external accountants and regulators; the Federal Reserve, Office of Traveler of Currency (OCC), and Office of the Superintendent of Financial Institutes (OSFI) and interacts with Risk and Analytical professionals at TDCT and TDBFG. In accordance with the governing principles outlined in the TD Enterprise Risk Appetite Statement and the framework documented in the Retail Credit Risk Management Mandate, the Risk Portfolio Analyst is responsible to effectively manage, monitor and control risk of the retail lending segments within TD Bank.
Depth & Scope
Performs functions noted for Risk Portfolio Analyst II
Manages complex analytical initiatives and interacts with TDCT Risk and Retail Lending lines of businesses
Works independently and interacts with internal/external accountants, auditors and bank regulators
Directs credit activities relating to risk exposure, credit policy, and credit underwriting changes to Senior Money-out Executives
Mentors junior level analysts
Oversees the retail credit portfolio analysis in support of financial, regulatory and risk management requirements
Provides guidance and assists staff with most complex aspects of work as necessary
Shares knowledge with others in the group
Contributes to and supports achievement of department/business unit goals
Acts as subject matter expert in assisting the Manager of Risk Analytics during the analysis for the U.S. Allowance for Loan and Lease Losses (ALLL) for the Retail Credit Portfolios
Acts as a lead in other risk management related duties or special projects and performs additional duties as necessary
Exercises independent judgment by displaying and reaching conclusions on the most complex portfolio issues as well as assumes accountability for high quality recommendations regarding the credit portfolio
Supports results of analytical initiatives on portfolio modeling (including Basel), Stress Testing, migration analysis, and Allowance for Loan and Lease Losses (ALLL)
Develops analytical white papers for assigned portfolio considering current economic environments
Forecasts impact to assigned portfolio
Determines risk exposure, mitigation, and controls for new products, marketing campaigns, and expansion of existing programs
Establishes oversight of business lines compliance/risk controls and periodically evaluates risk mitigation efforts to make adjustments as risk/department influences change
Ensures TD Bank maintains successful audits and exams within all areas
Education & Experience
Bachelor's degree required, Graduate Degree preferred or progressive work experience in addition to experience below
7 Years of related experience
Strong PC skills including proficiency in a variety of PC-based analytical and reporting software packages
In depth knowledge of portfolio analysis techniques and processes
Extensive analytical skills and practical knowledge of descriptive statistics
Excellent research skills required for industry analysis
Excellent written and verbal communication skills
Experienced in presenting to Senior Executives and Board of Directors
Physical Requirements Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
Domestic Travel – Occasional
International Travel – Never
Performing sedentary work – Continuous
Performing multiple tasks – Continuous
Operating standard office equipment - Continuous
Responding quickly to sounds – Occasional
Sitting – Continuous
Standing – Occasional
Walking – Occasional
Moving safely in confined spaces – Occasional
Lifting/Carrying (under 25 lbs.) – Occasional
Lifting/Carrying (over 25 lbs.) – Never
Squatting – Occasional
Bending – Occasional
Kneeling – Never
Crawling – Never
Climbing – Never
Reaching overhead – Never
Reaching forward – Occasional
Pushing – Never
Pulling – Never
Twisting – Never
Concentrating for long periods of time – Continuous
Applying common sense to deal with problems involving standardized situations – Continuous
Reading, writing and comprehending instructions – Continuous
Adding, subtracting, multiplying and dividing – Continuous
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.
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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.
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 base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. 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.
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.
If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.
We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.
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 TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.
#J-18808-Ljbffr