Work Location:
Wilmington, Delaware, United States of America
Hours:
40
Pay Details:
$90,000 - $108,160 USD
TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
Line of Business:
Risk Management
Job Description:
The Risk Officer II develops and recommends 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 also provides a broad range of risk analysis, reporting and/or support to business partners and acts as a specialist/expert in providing guidance/advice on a range of risk related matters within assigned or own area of specialization.
Depth & Scope:
- 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
Education & Experience:
- Bachelor's degree
- 3-5 Years of related experience
- Proficient PC skills including a strong competency in MS Excel and PowerPoint, 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
- Experience in data modeling and risk management either from a business administration, statistical, mathematical, scientific or financial background
- Excellent written and verbal communication skills
Preferred Qualifications:
- Advanced experience in SQL, SAS, and Python
- Credit Risk Management experience
- Experience in modeling
- Advanced data analytics experience
- Cross-functional collaboration
- Experience with AI
- Bachelors in economics, finance, and/or business
Physical Requirements:
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
- Domestic Travel – Occasional
- International Travel – Never
- Performing sedentary work – Continuous
- Performing multiple tasks – Continuous
- Operating standard office equipment - Continuous
- Responding quickly to sounds – Occasional
- Sitting – Continuous
- Standing – Occasional
- Walking – Occasional
- Moving safely in confined spaces – Occasional
- Lifting/Carrying (under 25 lbs.) – Occasional
- Lifting/Carrying (over 25 lbs.) – Never
- Squatting – Occasional
- Bending – Occasional
- Kneeling – Never
- Crawling – Never
- Climbing – Never
- Reaching overhead – Never
- Reaching forward – Occasional
- Pushing – Never
- Pulling – Never
- Twisting – Never
- Concentrating for long periods of time – Continuous
- Applying common sense to deal with problems involving standardized situations – Continuous
- Reading, writing and comprehending instructions – Continuous
- Adding, subtracting, multiplying and dividing – Continuous
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.
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Who We Are:
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.
Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more
Additional Information:
We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.
Colleague Development
If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.
If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.
We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.
Training & Onboarding
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.
Interview Process
We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.
Accommodation
TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email 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 applicant process.