The CSB Credit Specialist I is responsible for ensuring quality and compliance within an assigned portfolio, supporting
new business development while applying credit risk policy and adhering to TDBG risk appetite. The CSB Credit Specialist
I performs the credit underwriting and credit administration functions. The CSB Credit Specialist I works to achieve credit
management objectives within the team. The job works closely with the Relationship Manager and Credit Officer to
ensure consistency with the TD Bank Group’s Risk Appetite Principles, including establishing the Borrower Risk Ratings
and Facility Risk Ratings for new and existing credit relationships.
4 year Undergraduate degree or equivalent experience; advanced degree in financial discipline preferred, other advanced
Minimum 7 years' experience in related field
Strong credit underwriting and administration skills.
Ability to identify and mitigate risk.
Ability to provide value-add structuring alternatives for complex credits.
Strong written and verbal communication skills with demonstrated understanding of business acumen.
Solid interpersonal skills.
Strong planning and organizational skills.
Ability to problem solve in less complex situations
Managers, other than those who serve as Executive/Senior Level Officials and Managers, including those who oversee and
direct the delivery of products, services or functions at group, regional or divisional levels of organizations.
Receive directions from the Executive/Senior Level management and typically lead major business units.
Implement policies, programs and directives of executive/senior management through subordinate managers and within the
parameters set by Executive/Senior Level management.
Serve at functional, line of business segment or branch levels and are responsible for directing and executing the day-to-day
operational objectives of the Company, conveying the directions of higher level officials and managers to subordinate
personnel and, in some instances, directly supervising the activities of exempt and non-exempt personnel.
Includes those who report directly to middle managers.
Understand and support the Bank’s Customer Service Strategy.
Consider the impact of advice and decisions on the well-being of the Bank, as well as its customers, its employees and
Provide the highest level of Customer service when dealing with internal partners, vendors or our Customers - WOW at every
Lead, coach and model quality service delivery at every interaction.
Support the ongoing improvement of the partner/Customer experience.
Employee and Team Accountability
Set appropriate context for the business unit/function to enable optimal performance and alignment to strategy.
Support the creation of goals and objectives for the business unit/function. Communicate those goals and objectives
Build capability – support / execute plans to acquire, develop and retain the diverse teams with the skills and experience
necessary to realize on current and future business strategies.
Role model behaviors consistent with TD's leadership profile, customer and employee experience agendas and risk and control
Create an extraordinary place to work — advance and sustain a unique, inclusive culture that reflects TD’s diversity agenda, and
creates an extraordinary employee experience.
Lead, coach and develop a highly effective team by ensuring on-going training and performance and development
Represent TD at civic, professional and bank-sponsored events; serves on non-profit boards and participates on professional
Represent the franchise both internally and externally; develop and maintain relationships with major clients, regulators, and
the investment community and, with other TD leaders, support a high, positive public profile for the TD franchise.
Support the development and implementation of operational strategies and objectives to achieve measurable excellence in the
quality delivery of sales, service, and products aligned with “Best Run” concepts and overall enterprise strategy and objectives.
Participate in establishing and executing plans and goals for the Business to drive toward results.
Develop and maintain an operating budget, ensuring adherence to budget. May delegate budgetary assignments to direct
reports, but maintains overall budgetary responsibility and oversight.
Provide financial reports and analysis including budget variances to management on a regular basis.
Business Operation Accountability
Communicate business strategies, programs and practices – establish and operate change strategy throughout the organization.
Deliver business services, functions and capabilities that optimize the use of process, technology and our people, and take
advantage of TD’s scale and operating model.
Ensure TD is a best run, integrated, customer-focused, growth organization.
Understand business unit/function’s own risk appetite statement, objectives for risk and control, and measures, where
applicable, making sure these are aligned with TD’s Risk Appetite. Ensure that the business / function operates within TD’s Risk
Appetite by tracking key metrics against its policies, procedures and limits.
Successfully complete all required job specific, compliance-related training and ensure team members complete all required
training. Understand, utilize and follow compliance/risk and control programs. Consult with all risk functions in the
development and documentation of policies, procedures and controls, for all department processes.
Ensure ongoing compliance with internal / external audit and regulatory requirements. Provide prompt and comprehensive
response to all external audit, regulator and compliance requests and findings. Maintain appropriate records of action plans.
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