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- Tasks: Assist in credit submissions and monitor Borrower performance for compliance.
- Company: Join TD, a leading global financial institution with a commitment to customer experience.
- Benefits: Enjoy competitive salary, health benefits, and career development opportunities.
- Why this job: Make an impact in finance while developing your skills in a supportive environment.
- Qualifications: Detail-oriented with strong analytical skills; experience in corporate or commercial banking preferred.
- Other info: Access to training, mentoring, and diverse career paths within the organisation.
The predicted salary is between 36000 - 60000 £ per year.
Work Location: London, United Kingdom
Hours: 35
Line of Business: TD Securities
Pay Details: We are committed to providing fair and equitable compensation to all our colleagues. As a candidate, we encourage you to have an open dialogue with a member of our HR Team and ask compensation-related questions, including pay details for this role.
Job Description:
- Assists in the preparation of credit submissions as required for assigned Borrower accounts including interim client-driven requests, annual reviews and new underwriting requests.
- Assists in overseeing and monitoring the performance of Borrowers to ensure compliance with all terms and conditions of the credit authorization and to ensure that the risk ratings for the assigned Borrowers are accurate.
- Conducts market, industry and client research in support of the ongoing risk assessment process, including ongoing monitoring of client/industry news and developments.
- Co-ordinates with Corporate Banking in the preparation of term sheets, client presentations and Loan Capital Committee analysis and documentation.
- Works with Vice President / Director and other product groups—including Investment Banking, Cash Management, Foreign Exchange, Derivatives, Global Metals and Global Trade Finance—to ensure their credit needs are being met.
- Prepares credit reviews in accordance with minimum policy requirements regarding Annual Reporting Dates and Interim Reporting Dates.
- Ensures that all credit reviews include sensitivity analysis appropriate for the risk at hand.
- Ensures that credit reviews include statement breakdowns using the MFA spreadsheet tool and that they include an MRA analysis to support the risk rating assessment where applicable.
- Works with Vice President / Director to ensure that loan and security documentation reflects the details of the credit authorization.
- Reviews periodic compliance reporting, loan/product documentation (Credit Agreements, ISDAs), identifies and communicates credit risk issues, legal concepts and solutions effectively.
- Works closely with assigned Vice President / Director in meeting team objectives.
Job Requirements:
- Applicants should be well-organized, detail-oriented and able to work under pressure and tight deadlines, establish priorities and work independently with minimal supervision.
- Superior financial modelling and analytical skills.
- Strong verbal and written communication and problem-solving skills.
- Proactive and highly motivated; able to work independently and in a team environment.
- Excellent knowledge of MS Excel.
- At least 3 years relevant experience, preferably in a corporate banking or commercial banking environment.
- Open to both experienced analysts and associates.
- CFA designation and/or MBA are an asset.
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 deliver legendary customer experiences to 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 the bank, those we serve and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.
Our Total Rewards Package:
Our Total Rewards package reflects the investment we make in our colleagues to help them and their families achieve their well-being goals. Total Rewards at TD includes a base salary and several other key plans such as health and well-being benefits including medical coverage, paid time off, career development and reward and recognition programs.
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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues there are many different career paths within our organization at TD and we’re committed to helping you identify opportunities that support your goals.
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:
If you require an accommodation for the recruitment/interview process (including alternate formats of materials or accessible meeting rooms or other accommodation) please let us know and we will work with you to meet your needs.
Employment Type: Full-Time
Experience Years: Vacancy 1
Associate, CIB Credit employer: TD Bank
Contact Detail:
TD Bank Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Associate, CIB Credit
✨Tip Number 1
Network like a pro! Reach out to current employees at TD Securities on LinkedIn or through mutual connections. A friendly chat can give you insider info and might just get your foot in the door.
✨Tip Number 2
Prepare for those interviews! Research common questions for credit roles and practice your answers. We recommend using the STAR method to structure your responses – it’ll help you showcase your skills effectively.
✨Tip Number 3
Show off your analytical skills! During interviews, be ready to discuss your experience with financial modelling and risk assessment. Bring examples of how you've tackled challenges in previous roles.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re genuinely interested in joining the TD team.
We think you need these skills to ace Associate, CIB Credit
Some tips for your application 🫡
Tailor Your Application: Make sure to customise your CV and cover letter for the Associate, CIB Credit role. Highlight your relevant experience in corporate or commercial banking, and showcase your financial modelling skills. We want to see how you fit into our team!
Showcase Your Skills: Don’t forget to emphasise your analytical and problem-solving abilities. Use specific examples from your past experiences to demonstrate how you've tackled challenges. We love seeing candidates who can think on their feet!
Be Clear and Concise: When writing your application, keep it straightforward and to the point. Avoid jargon and make sure your key achievements stand out. We appreciate clarity and want to understand your strengths quickly!
Apply Through Our Website: We encourage you to submit your application through our website. It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re serious about joining our team at TD!
How to prepare for a job interview at TD Bank
✨Know Your Numbers
As an Associate in CIB Credit, you'll need to demonstrate strong financial modelling and analytical skills. Brush up on your Excel skills and be prepared to discuss specific examples of how you've used these skills in previous roles. This will show that you can handle the quantitative aspects of the job.
✨Research is Key
Conduct thorough research on the company and its market position. Understand TD's values and how they align with your own. Be ready to discuss recent news or developments in the banking sector, especially those that could impact credit risk. This shows your proactive approach and genuine interest in the role.
✨Prepare for Scenario Questions
Expect scenario-based questions that assess your problem-solving abilities. Think about past experiences where you had to analyse credit risks or manage borrower relationships. Use the STAR method (Situation, Task, Action, Result) to structure your answers clearly and effectively.
✨Show Team Spirit
Collaboration is crucial in this role, so be prepared to discuss how you've worked with teams in the past. Highlight any experience coordinating with different departments, like Corporate Banking or Investment Banking, to meet client needs. This will demonstrate your ability to work well within a team environment.
