TD Bank Credit Risk Manager in Falmouth, Maine
Credit Risk Manager
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 more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth®, and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit www.tdbank.com. Find TD Bank on Facebook at www.facebook.com/TDBank and on Twitter at www.twitter.com/TDBank_US .
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 www.td.com .
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The Unsecured Retail Credit Risk Management team is the 2nd line which is responsible for credit risk oversight for our consumer unsecured lending portfolios including U.S. credit cards, personal loans and overdraft. Consumer credit cards are comprised of U.S. Bankcard, Target, Nordstrom, and Retail Card Services. Credit Risk oversight responsibilities include development of Risk Appetite through credit loss thresholds and management limits, approval of strategic initiatives and new model use to improve performance, and independent monitoring of credit program level performance to assess new and emerging risk trends. The Unsecured RCRM team also interfaces with business partners and regulators on scheduled portfolio reviews and exams.
- Must be eligible for employment under regulatory standards applicable to the position.
Recognized as top level credit risk expert within the company and requires significant in-depth and/or breadth of expertise in a complex field and knowledge of broader related areas
Senior specialist providing advisory services to executives, business segment leaders and governs requirements for own work
Integrates knowledge of the enterprise function’s or business segment’s strategy in leading program design, policy formulation or operating standards within one or more areas of expertise
Anticipates emerging business trends and regulatory/risk issues as a basis for recommending large-scale product, technical, functional or operations improvements
Serves as a source of expert advice to senior management in field of specialty; may lead team(s) of related specialists/experts
Advises on execution strategy and leads the development and deployment of functional programs or initiatives within own field or across multiple specialties
Solves unique and ambiguous problems with broad impact; typically oversees standards, controls and operating methods that have significant financial and operational impact within the context of own field
Requires innovative thinking to develop new solutions
Impacts the technical or functional direction and resource allocation of part of an enterprise function or business segment
Works within general policies and industry guidelines
Engages stakeholders to take action; serves as a source of expert advice, influences change; frames information in a broader context
Provides leadership guidance, makes recommendations and collaborates with business to ensure solutions meet the business needs on a complex project or program
Identifies and leads problem resolution for project/program complex requirements related issues at all levels
The Credit Risk Manager provides a comprehensive and diverse range of risk management expertise to business leaders. Leads and supports the implementation of appropriate risk frameworks and leading related management activities to mitigate enterprise and/or business-wide risk exposures for key business segment of the Bank or functional area. May provide oversight, commentary, and recommendations based on overall strategy and industry best practices.
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 USWAPTDO@td.com . 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, New Jersey
Falmouth, Mount Laurel, Wilmington
Undergraduate degree or technical certificate and/or
10+ years relevant experience
Advanced knowledge of risk management governance, programs, policies, practices, operating frameworks & reporting for business supported and/or area of discipline to deliver objective guidance and independent challenge on initiatives.
Knowledge of risk management environment, standards, regulations and mitigation
Knowledge of current and emerging competitor and market trends
Ability to contribute to strategic direction of the function and provide advice to senior leadership
Skill in mentoring and coaching
Skill in using advanced analytical software tools, data analysis methods and specialized reporting techniques
Advanced ability to lead, plan, implement, and evaluate program/project activities to ensure completion of initiatives
Ability to make an impact, influence, and achieve results with effective negotiation, problem-solving, and communication skills
Skill in using computer applications including MS Office
Ability to communicate effectively in both oral and written form
Ability to work collaboratively and build relationships across teams and functions
Ability to work successfully as a member of a team and independently
Ability to exercise sound judgement in making decisions
Ability to analyze, organize and prioritize work while meeting multiple deadlines
Ability to handle confidential information with discretion
SAS experience preferred
1313 North Market Street, 70 Gray Road West Falmouth Crossing, Mt Laurel - Operations Center Bldg 1 - 9000 Atrium Way
TD Bank AMCB
Job Category - Primary:
Group Risk Management
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