Senior Credit Analyst - TDEF

This is a Senior Credit Analyst role on the TD Equipment Finance ("TDEF") team based in either Burlington, ON, or Montréal, QC. The position is responsible for preparing credit reviews, supporting adjudication and approval processes, approving draw requests within delegated authorities, and performing ongoing monitoring and control activities within the TDEF portfolio. 

The Senior Credit Analyst focuses on structuring competitive financing solutions while maintaining sound credit quality. Working closely with Sales Account Executives, Account Managers, and other internal partners, the role supports an assigned portfolio of clients by evaluating new business opportunities, underwriting transactions, and contributing to portfolio growth while meeting speed-to-market expectations.   

The portfolio includes large mid‑market borrowers, often with complex financing needs. The role collaborates closely with Commercial Banking Centres (CBCs) and sales teams across Canada. The successful candidate will be expected to analyze and underwrite complex transactions and financing structures across a broad range of industries, including transportation, construction, oil & gas, mining, forestry, and manufacturing. 

The Senior Credit Analyst is expected to develop strong working relationships with internal partners, including Commercial Credit Risk Management, Credit Risk Policy, and Credit Product Group. The role requires strong financial analysis, credit underwriting, risk assessment, and communication skills, with the ability to identify key risks and recommend appropriate transaction structures and mitigants. The incumbent will also contribute to the ongoing management and monitoring of the portfolio to ensure compliance with approved credit terms, internal policies, and risk management standards. 

CUSTOMER 

• Continually deliver exceptional service at every interaction and execute on plans to continuously improve the customer experience

• Lead all aspects of credit analysis for an assigned portfolio

• Be an expert on market, industry and broader economic factors

• Identify and respond to changes in the business environment, establishing action plans to address customer issues and priorities

• Develop strong relationships with internal /external business partners and use these networks to provide specialized subject matter expertise and proactively manage customer relationships, including contributing to the identification and effective facilitation of reciprocal referrals

SHAREHOLDER 

• Assess complex credit risk in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets) to increase profitability and enable business growth

• Contribute to Operational Excellence business objectives and identify, suggest and actively participate in process improvement opportunities

• Complete business processes / procedures as well as monitoring and control activities in a timely and accurate manner

• Acquire and apply expertise in the role

• Provide guidance, assistance and direction to others

• Protect the interests of the organization – identify and manage risks, and escalate non-standard, high-risk transactions / activities as necessary

• Actively manage relationships within and across various business lines/ corporate and/or control functions and ensure alignment with enterprise and/or regulatory requirements

• Ensure necessary due diligence to support the accuracy of all customer transactions / activities

• Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts

• Assume responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct

EMPLOYEE / TEAM 

• Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest

• Provide thought leadership and/or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business unit

• Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques

• Participate in personal performance management and development activities, including cross training within own team

• Keep others informed and up to date about the status / progress of new requests and/or annual reviews and / or all relevant or useful information related to day-to-day activities

• Contribute to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices.

• Lead, motivate and develop relationships with internal and external business partners / stakeholders to develop productive working relationships.

• Contribute to a fair, positive and equitable environment that supports a diverse workforce

BREADTH & DEPTH 

• Expert level professional role requiring substantial knowledge / expertise in a complex field and knowledge of broader related areas

• Ensuring advice and solutions provided within own area of expertise align with the Enterprise strategic priorities, including risk appetite, customer experience

• Collaborate with cross-functional partners, acting as a subject matter expert in their field of specialty

• Interprets internal/external business challenges and the industry environment, recommends courses of action and best practices to improve products, processes or services

• Solves or may lead others to solve complex problems; leads efforts or partners with others to develop new solutions

• Uses sophisticated analytical thought to exercise judgement and identify solutions

• Work is guided by policies and industry standards/methods

• Communicates difficult concepts; converts information to compelling business context and advice; influences and gains alignment across increasingly senior stakeholders

• Works independently with minimal management guidance and supervisions

EXPERIENCE & EDUCATION 

• Undergraduate degree and/or 7+ years of relevant experience 

• Professional designation (CPA, CFA, MBA, etc.) is an asset. 

• Experience in credit underwriting for commercial banking or equipment financing and/or relevant financial analysis experience (FP&A, corporate finance, etc.).

• Excellent analytical, judgement and decision-making skills in assessing and handling risk profile for team processes

• A dynamic professional with a positive approach and strong communications skills to liaise with cross-functional teams and colleagues

• Robust organizational and with the ability to work in a demanding environment and handle multiple deadlines and priorities

• Bilingualism is an asset: English & French