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TD Bank Credit Risk Manager II in Charlotte, North Carolina


Job Title:

Credit Risk Manager II

TD Description:

About TD Bank, America's Most Convenient Bank®

TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing over 9.8 million customers with a full range of retail, small business and commercial banking products and services at more than 1,100 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Auto Finance, a division of TD Bank, N.A., offers vehicle financing and dealer commercial services. TD Bank and its subsidiaries also offer customized private banking and wealth management services through TD Wealth®. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit . Find TD Bank on Facebook at and on Twitter at and .

TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol "TD". To learn more, visit .

We offer a competitive salary and benefit program, including: comprehensive, affordable health care through medical, dental, and vision coverage; financial security with life and disability insurance; opportunities to save using health savings and flexible spending accounts; retirement benefits to help prepare for the future; paid time off and work/life benefits to maintain a good balance.

Auto req ID:



United States

Job Requirements:

  • Must be eligible for employment under regulatory standards applicable to the position.

Performs functions noted for Risk Manager I

Generally an expert at the enterprise or group business level

Acts as the primary regulatory interface on risk issues and requirements for a key business segment of the Bank and assesses and provides direction for existing and new regulations

Interfaces with teams beyond risk in a cross-functional manner

Represents business on corporate initiatives and identifies key risks and implications and provides direction in complex situations



Job Description:

The Risk Manager II is responsible for the creation, implementation and validation of various risk segmentation strategies including, but not limited to: adjudication, exposure management, risk segmentation, and financial return optimization for the Consumer Deposit Products & Payments portfolio. This includes providing critical information, interpretative, and detailed analysis, and deploying critical credit risk rational strategies that ensures the decisions are made within the TD risk appetite and in partnership with supported business lines.


At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach their potential.

If you are a candidate with a disability and need an accommodation to complete the application process, email the TD Bank US Workplace Accommodations Program at . Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.


Delaware, Maine, North Carolina, New Jersey, South Carolina


Charlotte, Falmouth (ME), Greenville, Mount Laurel, Wilmington


Bachelor's degree required; Graduate degree preferred or progressive work experience in addition to experience below

10+ years' experience required

Proficient PC skills in MS Office 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

Working knowledge of SAS Enterprise Miner, FICO Model Builder or Angoss Knowledge Seeker

Strong analytical and problem solving skills are required to interpret data and draw conclusions

Flexibility to adapt to rapidly changing requirements

Extremely strong attention to detail with ability to manage a range of tasks and prioritize

Proven ability to develop and maintain productive business/peer relationships

Superb written and verbal communication skills

Experienced in developing and presenting recommendations to Senior Management

Preferred Qualifications:

• Bachelor's or Graduate degree in statistics, economics, finance or other analytical or quantitative discipline is preferred

• 10+ years' experience in credit risk management with experience in analytics, modelling, or loss forecasting preferred

• Understanding of consumer deposits & payments or unsecured lending business models, including emerging risks and trends is desired

• Extensive experience working with SAS, SQL, and Tableau

• Advanced Excel & PowerPoint skills preferred

• Capable of independently planning, developing, leading, and executing analytics projects with limited guidance

• Ability to employ complex analytical tools and statistics to perform analysis and forecasting of financial and other business performance information

Work Location:

1313 North Market Street

Business Line:


Job Category - Primary:

Risk Management

Job Category(s):

Risk Management

State (Primary):


State #2:

New Jersey

State #3:


State #4:

South Carolina

State #5:

North Carolina

City (Primary):


City #2:

Mount Laurel

City #3:

Falmouth (ME)

City #4:


City #5:


Job Family:

Group Risk Management

Time Type:

Full Time

Employment Type:


Hours/Availability Detail:


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