Bachelors degree required; Graduate degree or progressive work experience in addition to experience below
7-10 years related experience required
Strong analytical, technical and writing skills
Ability to develop and execute complex analyses in support of business goals and objectives
Commercial Lending knowledge and experience is required
Excellent PC skills
Demonstrated management/leadership skills
Excellent communication, problem solving and decision making skills with ability to effectively communicate with senior management
Ability to assimilate complex business information in order to structure relationships in processes and data
Ability to communicate technical information to inform others in practical business-based terms
Must be eligible for employment under regulatory standards applicable to the position.
Creates and analyzes reports; present findings to management and provide input into decision-making to properly manage the Retail Portfolio of the Company.
Provides information to both internal and external auditors, and external regulators, to ensure their accurate understanding and analysis of the retail portfolio.
Working closely with Product Credit Risk Teams, provides in-depth insight and analysis to evaluate portfolio to maintain acceptable overall risk levels. Identifies risks and develops mitigation plans. Analyzes portfolio based on debt to income, loan to value, credit scores and a variety of other credit variables.
Furnishes independent oversight and approval of material underwriting policies and procedures to be implemented in the line of business, providing safeguards while allowing the Company to compete in the market. Coordinates closely with Product Credit Risk Team and to lesser extent business line management to ensure products meet market needs and generate acceptable risk-adjusted returns and that credit processes are functioning effectively.
Policy reviews and changes to be coordinated for consistency across the Retail Lending Lines of Business.
Recommends to Product Credit Risk Team credit policy and underwriting standard modifications where warranted. Monitors the organizations credit risk exposure and provides guidance in portfolio review and strategy.
Analyzes various segments of the portfolio to determine their impact on the loan loss reserve.
TD Bank Group