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Credit Risk Officer
TD Bank
Wilmington, NC, United States
Job Details - this job has expired, please see similar jobs below
Hours
40
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 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.
Department Overview
The US Credit Cards Risk Management group provides critical information, interpretative, and detailed analysis, and deploys critical retail credit risk strategies that ensures the US Credit Cards division meets its targets and the credit risk is appropriately measured and managed.
Job Description
The Risk Officer II is responsible for developing and recommending appropriate credit risk standards related to credit card portfolios and other credit related activities. In conjunction with senior management and typically a firm-wide Credit Committee, Credit Card Risk Officer formulates and/or manages the firm's portfolio risk management policies including, but not limited to: acquisitions, line assignment, and existing account management. The job staffs, monitors existing and potential credit exposure, and implements measures to attain portfolio risk goals. The Risk Officer II analyzes and evaluates credit risks resulting from underlying demographics of portfolio (geographic, demographic, income, and other macro-economic variables). This job recommends and implements credit enhancement on an as-needed basis, either directly, or in conjunction with Risk Analytics/Modeling, may be responsible for development and evaluation of credit risk management models. This job is also accountable for providing a broad range of risk analysis, reporting and/or support to business partners and acting as a specialist/expert in providing guidance/advice on a range of risk related matters within assigned or own area of specialization.
Primary Accountabilities:
• Support the various risk segmentation strategies by extracting data & performing analysis
• Manager various Ad Hoc business / risk related requests
• Opportunity to advise on Credit Risk strategies related to acquisition & account management
Job Requirements
• Performs functions noted for Credit Card Risk Officer I.
• Supports and assists in the development of credit risk projects/initiatives; pulls performance and demographic data, performs detailed analysis and assists in preparation of appropriate documentation/recommendation.
• May lead a small team or operate in a lead capacity managing risk activities such as KRI, CSI, RCSA and Action Plan reporting on behalf of a key business or functional area.
• May be involved on risk related committees and/or related working groups as a Subject Matter Expert (SME) and plays a lead role in research / analysis and /or integrating / implementing key risk management practices.
• 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.
• Ensures the timely communication of issues that are relevant to the team and encourage a good working relationship with other internal and external groups.
Must be eligible for employment under regulatory standards applicable to the position.
Inclusiveness
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 her/his 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.