Credit Risk Specialist

Job Summary

Required Qualifications

• •background and experience in wholesale banking credit risk
• •general credit management, analysis and/or adjudication
• •exceptional attention to detail
• •ability to manage multiple tasks and priorities
• •strong networking capabilities
• •deepen general credit risk management knowledge across adjudication, governance and reporting
• •exposure to a wide range of business and risk management functions
• •accurate, complete, objective assessment of all key credit risks
• •identification, understanding and control of these risks
• •local approval of TDGF credit limits and reviews
• •Verify that risk ratings are assigned accurately
• •Develop and maintain sound knowledge of specific industries
• •knowledge of the related appropriate lending structures
• •Keep abreast of market and competitive forces in Europe, North America and internationally
• •Initiate appropriate action on major accounts where the risk to the bank is deteriorating
• •specification of entity-specific credit risk limits for TD Securities' European business
• •Support the risk assessment process and development of the risk appetite statement for credit risk
• •verifying that global credit policies, procedures and associated models are appropriate to the operations of TDGF and TD's European strategy
• •Act as the Credit Risk Committee secretariat
• •scheduling and coordination of Committee meetings
• •preparation of agenda and materials
• •recording of meeting minutes
• •Implement updates to the Committee Mandate
• •Work with Corporate Governance Europe and the TDGF Executive Risk Committee secretariat
• •support credit risk governance in accordance with policy and relevant Committee mandates
• •required credit risk reporting and escalations
• •Stakeholder management across several local, regional and global teams
• •Assess and identify areas for improvement of the delivery of the Credit Risk management framework
• •timeliness and accuracy of local credit risk reporting of credit exposures and credit risk management activities
• •analysis and interpretation of credit risk reporting and outputs
• •identifying opportunities for enhancements and automation
• •Review breaches of credit risk limits
• •limit exceptions are escalated and actioned appropriately
• •Monitor European regulatory requirements with regard to credit risk
• •development and implementation of regulatory change for TDGF
• •participation in enterprise-wide regulatory compliance programmes
• •specialised knowledge on European regulatory requirements with regard to credit risk
• •applicable policies and procedures remain compliant at all times
• •Engage with TDBG management teams and forums
• •develop and maintain sound knowledge of counterparty credit risk management
• •stress testing
• •margin period of risk
• •wrong way risk
• •impact on TDGF, or European regulatory considerations
• •management of concentration risk in TDGF
• •country risk
• •industry risk
• •counterparty group exposure
• •local legal entity capital management
• •Connected Clients
• •Large Exposure management
• •oversight, monitoring, control and challenge of outsourced credit risk activities
• •good conduct
• •identification and management of Conduct Risk within the Risk Management function
• •identifying and reporting Operational Risk Events
• •contribute in a positive way to TDGF's reputation
• •management of Reputational Risk
• •follow ethical practices at all times
• •compliance with applicable policies, legislation and regulations
• •support positive interactions with TDGF's stakeholders