Credit Risk Specialist

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The TDGF Credit Risk Specialist will support the TDGF Head of Credit and the TDGF CRO in the management of TDGF’s Credit Risk. This role requires exceptional attention to detail, the ability to manage multiple tasks and priorities, strong networking capabilities, and a background and experience in wholesale banking credit risk. The successful candidate will use their experience in general credit management, analysis and/or adjudication to drive process improvements to enhance credit risk governance controls and manage information flow for senior stakeholders in the organisation. This is an excellent opportunity for a high performer to deepen general credit risk management knowledge across adjudication, governance and reporting, and gain exposure to a wide range of business and risk management functions. Specific Responsibilities: Provide accurate, complete, objective assessment of all key credit risks in TDGF through the identification, understanding and control of these risks Responsible for local approval of TDGF credit limits and reviews (within their authority limit) in addition to the TD Bank Group credit adjudication process, including: Verify that risk ratings are assigned accurately Play a consultative and advisory role by sharing specialised knowledge and providing reasons/logic for own or bank decisions Develop and maintain sound knowledge of specific industries, and 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 Support the TDGF Head of Credit in the expansion of 2nd line Credit Risk Management activities to support strategic growth and development of TD Securities' European business Assist in the 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 Support the TDGF Head of Credit in 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 in supporting the Committee Chair in the effective operation of the Committee to achieve its mandate. This includes the scheduling and coordination of Committee meetings, preparation of agenda and materials and recording of meeting minutes Implement updates to the Committee Mandate to align with risk governance structure developments, as needed Work with Corporate Governance Europe and the TDGF Executive Risk Committee secretariat to support credit risk governance in accordance with policy and relevant Committee mandates, including required credit risk reporting and escalations Stakeholder management across several local, regional and global teams, including but not limited to TDBG Risk Management, Credit Risk Policy and 1st and 2nd line Credit teams within TDGF and TDBG Assess and identify areas for improvement of the delivery of the Credit Risk management framework in the region Contribute to the timeliness and accuracy of local credit risk reporting of credit exposures and credit risk management activities, providing ad-hoc bespoke reporting on specific sectors or portfolios when appropriate Provide analysis and interpretation of credit risk reporting and outputs for submission to TDGF Senior Management and Committees, identifying opportunities for enhancements and automation where possible Review breaches of credit risk limits, ensuring any limit exceptions are escalated and actioned