Risk Portfolio Analyst III (US)
TD Securities, Southfield, MI, United States
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 Controller 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 US 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 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.
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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 Controller 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 US 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 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.
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