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TD Bank Unsecured Personal Lending - Senior Group Risk Analyst (US) in Farmington Hills, Michigan


Job Title:

Unsecured Personal Lending - Senior Group Risk Analyst (US)

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.

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Department Overview:

The Senior Group Risk Analyst is responsible for completing QC (2A) testing of the Unsecured Personal Lending portfolio, along with ad-hoc assignments. Developing and recommending appropriate credit risk standards related to credit portfolios and other credit related activities. This is a critical function to mitigate risk, further strengthen the Line of Business processes and oversight of 1B. Provides integral QC evaluation of credit risks resulting from file reviews completed within the Department. Monitors existing and potential credit exposure and recommends measure to attain portfolio risk goals; analyzes and recommends credit enhancement, accountable for providing a broad range of risk analysis, reposting and/or support to business partners and acting as a specialist/expert in providing guidance /advise on a range of risk related matters within an assigned area. Managing the reports and findings issued to the business lines.

The ideal candidate should have in-depth industry knowledge of unsecured lending (credit cards) and personal lending. The ability to build and strengthen lasting relationships with both Business and Risk partners. Proficient in Microsoft Excel and be able to execute both accurately and timely and work independently to achieve goals.


United States, US TD Footprint

Job Requirements:

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

Undergraduate degree or technical professional certification and/or

5+ years relevant experience

Proficient knowledge of risk management, programs, policies, practices & reporting for business supported and/or area of discipline

Understanding and experience with various programing tools

Knowledge of risk management environment, standards, regulations and mitigation

Knowledge of current and emerging competitor and market trends

Ability to lead, plan, implement, and evaluate program/project activities to ensure completion of initiatives

Advanced skill in using analytical software tools, data analysis methods and reporting techniques

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

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



Job Description:

Utilizes expertise to exercise sound and expert independent professional judgement and discretion in interacting and communicating with staff and senior management of the Bank with respect to regulatory risk and other matters

Empowered to make prudent professional recommendations - in rendering advice and counsel to business lines or assigned area and risk which impact performance of the business and overall enterprise strategies and objectives

Integrates the broader organizational context into advice and solutions within own functional area

Understands the industry, competition and the factors that differentiate the organization

Acts as the primary subject matter expert and expected to make sound decisions in setting standards within area of expertise

Applies expert knowledge and best practices to implement process, product or service improvements

Oversees and/or independently performs tasks from end to end

Acts as a subject matter expert within own area of specialty or as a resource for others

Leads projects of moderately to complex risk and resource requirements; may lead end-to-end processes or functional programs

Executes on complex problems requiring analysis of multiple variables, including consultation with multiple stakeholders

Recommends and implements solution within own are or responsibility that impact the strategies and objectives of the department

Uses advanced methods to contribute to new solutions and recommends standards against which others will operate

Impacts a high level of complexity in operational/reporting/process and/or analysis function requiring medium to longer term focus. Provides advanced analysis and/or specialized reporting to support business partners, functional areas or centers of expertise. Builds stakeholder alignment in leading projects and activities; may provide process and subject matter advice at senior levels

Works independently as the senior technical lead and guides others within area of expertise

Identifies and leads problem resolution for complex issues at all levels


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.


Michigan, North Carolina, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, South Carolina, Virginia, Vermont, TD Footprint


Atlanta, Baltimore City, Boston, Burlington, Charlotte, Cherry Hill, Concord, Fairfield, Farmington Hills, Greenville, Miami, Mount Laurel, New York, Philadelphia, Portland, Providence, TD Footprint, Vienna, Washington, Wilmington

Work Location:

27777 Inkster Road

Business Line:


Job Category - Primary:

Risk Management

Job Category(s):

Risk Management

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Farmington Hills

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New York

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Job Family:

Group Risk Management

Time Type:

Full Time

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District of Columbia

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Baltimore City

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Pay Range:

$66,560 - $109,720 annually

Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.