Credit Analyst I - TDEF

This is a Credit Analyst I role on the TD Equipment Finance (“TDEF”) team based in Burlington, ON. The position is responsible for preparing credit reviews, supporting the approval of draw requests, and contributing to monitoring and control activities within the TDEF portfolio. 

The Credit Analyst supports the structuring of competitive financing solutions while maintaining credit quality, working on an assigned portfolio of direct‑dealing clients in collaboration with Sales Account Executives and Account Managers. The role contributes to portfolio growth, onboarding of new clients, and meeting speed‑to‑market expectations under the guidance of senior credit professionals. 

The portfolio includes mid‑market and corporate borrowers. The role covers Ontario and Atlantic Canada, collaborating closely with dedicated TDEF Account Executives, mid-market Commercial Banking teams, and Commercial National Accounts (CNA). 

The Credit Analyst is expected to develop sound underwriting and credit analysis skills and to underwrite moderately complex transactions across a range of industries such as transportation, construction, manufacturing, telecom, and related sectors, in accordance with established credit risk policies and procedures. 

CUSTOMER 

• Continually deliver high‑quality service at every interaction and contribute to initiatives that improve the customer experience 

• Support credit analysis activities for an assigned portfolio, under the guidance of senior credit team members 

• Develop a working knowledge of market, industry, and economic factors relevant to assigned clients 

• Identify changes in the business or credit environment and escalate observations to senior stakeholders as appropriate 

• Build and maintain effective working relationships with internal and external partners, collaborating to support customer needs and referral opportunities 

SHAREHOLDER 

• Assess moderately complex credit risk in compliance with internal policies and external requirements, escalating higher‑risk or non‑standard situations as required 

• Contribute to Operational Excellence objectives by following established processes and identifying opportunities for continuous improvement 

• Complete assigned business processes, monitoring, and control activities accurately and on time 

• Continue to build and apply expertise in equipment finance, credit analysis, and risk management 

• Provide input, support, and collaboration to team members; seek guidance when required 

• Help protect the interests of the organization by identifying risks and ensuring appropriate escalation 

• Work effectively with partners across business lines and control functions to support alignment with enterprise and regulatory requirements 

• Ensure appropriate due diligence is completed to support the accuracy of credit documentation and transactions 

• Maintain awareness of relevant industry and regulatory developments as they relate to assigned responsibilities 

• Comply with Bank policies, procedures, and the Code of Conduct to minimize operational and regulatory risk 

EMPLOYEE / TEAM 

• Participate actively as a team member and contribute to a positive, inclusive work environment that supports collaboration, quality, and innovation 

• Share knowledge and best practices within the team while continuing to learn from others 

• Continuously develop skills and knowledge of the business, tools, and credit practices 

• Participate in performance management, feedback, and development activities, including cross‑training opportunities 

• Communicate clearly and in a timely manner regarding the status of assigned work, reviews, and requests 

• Support team capability development through collaboration and knowledge sharing 

• Build productive working relationships with internal and external partners appropriate to role scope 

• Contribute to a fair, positive, and equitable workplace that supports diversity and inclusion 

BREADTH & DEPTH 

• Professional role requiring foundational to intermediate knowledge of credit analysis and equipment finance, with development in related areas 

• Apply established policies, frameworks, and risk appetite to credit decisions within defined authority levels 

• Collaborate with cross‑functional partners and contribute as a team member, rather than acting as a subject‑matter expert 

• Analyze business and credit challenges and recommend solutions under guidance 

• Solve problems of moderate complexity using sound analytical judgment and established methodologies 

• Work is guided by policies, procedures, and management direction 

• Communicate clearly and effectively with peers and management; escalate issues as appropriate 

• Work with regular supervision and support 

• Generally reports to the Senior Manager, Credit Management 

EXPERIENCE & EDUCATION 

• Undergraduate degree (finance or commerce). 

• 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.).  

• Strong 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