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Credit Risk Manager I

3 months ago


Wilmington, United States TD Bank Full time

**Work Location**:
Wilmington, Delaware

**Hours**:
40

**Pay Details**:
$86,840 - $139,360 USD

**Line of Business**:
Risk Management

The Risk Manager I manages the creation, implementation and validation of various risk segmentation strategies including, but not limited to: adjudication, account management, exposure management, risk segmentation, and financial return optimization. This job provides critical information, interpretative, and detailed analysis, and deploys critical credit risk rational strategies that ensure the decisions are made within the TD risk appetite and adhere to all governmental requirements and guidelines. The Risk Manager I's primary accountability is providing a comprehensive and diverse range of risk management expertise. The Risk Manager I investigates, creates, implements and validates various risk segmentation strategies and policies using complex data, advanced analytical approach, and business intelligence tools. This role will be driving the acquisition credit strategies including underwriting, line assignment and targeting for US bankcard portfolio supporting the growth under risk reward framework.

**Depth & Scope**:

- Demonstrates governance, control and risk management behaviors in alignment with TD policies and practices
- Assists with developing and enhancing credit risk assessment capabilities to identify and maintain good business opportunities with new and existing clients
- Performs detailed analysis and interprets information to make recommendations to Senior Management on critical strategies including non-standard and ad-hoc requests as determined by management
- Creates reports on the results of implemented strategies, using all appropriate quantitative methods and MIS, and makes recommendations to increase efficiencies and revenue while managing credit risk and produce those reports on a regular basis
- Effectively works cross-functionally with teams outside of risk
- Works with Internal Audit / External Regulators, to ensure that documentation for all work processes is complete and up-to-date
- Ensures sound credit control by taking a pro-active approach to risk management within the risk guidelines of the Bank
- Ensures the timely communication of issues that are relevant to the team and encourages a good working relationship with other internal and external groups

**Education & Experience**:

- Bachelor's degree required; Graduate degree preferred
- 5+ years' experience required
- Experience with various analytical tools such SAS, Python, R, Knowledge Seeker preferred
- Proficient PC skills including a strong competency in MS Excel and PowerPoint, and a variety of PC-based analytical and reporting software packages
- Experience with the use of Relational Databases and the process of Extract Transform Load (ETL) using common languages such as SQL or SAS
- Familiar with various analytical or reporting tools, such as SAS, R, Matlab Tableau, etc.
- Strong analytical and problem solving skills are required to interpret data and draw conclusions
- Experience in data modeling and risk management either from a business administration, statistical, mathematical, scientific or financial background
- Excellent written and verbal communication skills
- Experienced in developing and presenting recommendations to Senior Management

**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.

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing - and so will you.

**Our Total Rewards Package
**Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health