Commercial Underwriter

• Analyze, underwrite and may act as the final decision authority on commercial loan applications
• Ensure compliance with established underwriting guidelines, quality and production guidelines, as well as Federal Banking Regulations
• Conduct basic financial analysis of less complex loans/industries/Customers
• Act as a mentor and participate in the ongoing development of the Underwriting Staff
• Conduct credit investigations and analyze financial information pertaining to relationships with Commercial Credit exposure
• Underwrite loans and perform historical business financial analysis and cash flows
• Investigate available sources of credit and financial information
• Research economic and market conditions relating to the company, industry and market area
• Identify credit applications that require credit enhancements and make decisions accordingly
• Render final credit decisions within individual lending authority limits

Commercial Credit Underwriter II

Research Analyst

• Provides a high-quality and timely review of all products across the global research platform
• Ensures that all research is compliant with FINRA, CIRO, and jurisdictional rules and regulations and company policies and procedures
• Reviews all research intended for the public, including but not limited to notes, reports, marketing presentations, invitations, videos, and podcasts
• Ensures timely release of all research
• Confirms the investment thesis and valuation of an equity security are clearly presented, justifiable, and form a reasonable basis for the rating
• Ensures that research reports are balanced in their language and presentation, with risks to the investment properly conveyed
• Validates that financial figures and estimates are applicable to the report and are properly updated throughout
• Ensures proper company and other disclosures are present in reports and adhere to regulatory requirements
• Determines that information presented is publicly available and appropriately attributed
• Functions as a proficient user of the firm’s research publishing system (BlueMatrix) to confirm research reports are properly scheduled and distributed to clients
• Liaises with research analysts to address language, regulatory concerns, numerical inconsistencies, and issues with logic and clarity

Director – Supervisory Analyst, Research

Financial Planning and Analysis

• Determine clients' financial goals and lifestyle, provide comprehensive assessments, and build long-term relationships through expertise in financial planning, relationship development, and ongoing service delivery.
• Perform relevant analyses, produce reports and draw conclusions from results; make recommendations and continuously assess the effectiveness of programs, policies, and practices.
• Contribute to achieving team and department objectives by strengthening the quality of customer service and demonstrating dedication.
• Oversee service delivery and productivity; evaluate effectiveness and implement continuous improvements.
• Fully participate as a team member and promote a positive, service-oriented work environment.

Financial Planner

• Determine clients’ financial goals and lifestyle, provide comprehensive assessments, and build long-term relationships through expertise in financial planning, relationship development, and ongoing service delivery.
• Perform relevant analyses, produce reports, and draw conclusions from results; make recommendations and continuously evaluate the effectiveness of programs, policies, and practices.
• Contribute to achieving team and departmental objectives by enhancing service quality and demonstrating dedication.

Associate

• Manages an assigned account portfolio for new and existing commercial customers to provide consistent professional service and support throughout the total lifecycle of each account
• Assists with the uploading of due diligence received during underwriting, to the image repository system, in preparation of Loan Specialist assignment
• May assist in preparing the most basic financial analysis of less complex loans/industries/Customers, maintaining credit file, financial statement and assist with analysis memos
• Input necessary information into loan origination system to generate loan documents
• Assists with closing of new loan accounts and submits information for boarding
• Assists loan team in preparing a complete approval package in preparation for closing
• Works closely with Credit Management team in supporting basic underwriting functions including spreading of financial statements
• May assist in research of industry-specific information from outside sources, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the Internet
• Assists Credit Management with clearing and management of exceptions
• Supports and assists Credit Management CCM team with reporting, loan activities, delinquencies and tracking in loan information
• Manages a loan pipeline from origination through booking in accordance with Bank policies and procedures
• Works independently in resolving more complex issues relating to origination process through booking
• Follows quality control procedures to verify records contain proper content using checklist and other tools
• Evaluates best course of action taking into account bank policy, regulatory requirements, impact to the customer, and impact to the bank as well as cost factors
• Establishes strong working relationships with commercial stakeholders, credit risk and other internal areas involved in underwriting, approval and closing loans

Credit Management Associate III

Data Scientist

• Build/maintain anomaly detection model using statistical, machine learning, and data mining techniques.
• Design and implement AI-driven workflows to automate business intake processes, leveraging both low-code platforms (e.g., Copilot Studio) and code-based frameworks to enable intelligent comparison with historical requests and generate self-serve recommendations
• Partner with business stakeholders to understand objectives, gather requirements, and translate business needs into analytical solutions.
• Use programming languages (Python, Pyspark, SQL) to extract and prepare data, apply statistics and various advanced analytics along with business acumen to inform recommendations and insights from large datasets.
• Collaborate across AIML, data engineering, and analytics to deploy and monitor solutions at scale.
• Provide thought leadership and/or industry knowledge for own area of expertise and participate in knowledge transfer within the team and business unit.
• Share expertise and drive knowledge transfer through internal training, labs and runbooks

Data Scientist II

• Provides market research support in compiling and publishing high quality, comprehensive analysis and research on individual corporations, industries, financial markets, and economic developments as assigned.
• Expert level professional role requiring in-depth knowledge/expertise in own domain/field of specialty and working knowledge of broader related areas to run data analysis and develop research reports
• Solves complex problems requiring analysis of multiple variables, which may require consultation with multiple stakeholders
• Uses advanced methods to contribute to new solutions and recommend standards against which others will operate
• Interprets guidelines, standards, policies, and results of analysis to inform decision making at senior levels
• Builds stakeholder alignment in leading activities, identifying, and leading problem resolution

Equity Research Associate – Connectivity Semiconductors, Networking

Analyst

• Validates Financial Crime Risk Management (FCRM) models for Trading Surveillance
• Conducts validation testing and analysis for different FCRM models
• Collaborates with stakeholders to discuss and solve model limitations/issues
• Delivers high quality model validation reports
• Maintains professional knowledge of modelling techniques and developments
• Develops different validation testing to assess advanced Trading Surveillance models

Senior Analyst, Trading Surveillance

Manager

• Gathers financial and general business information pertaining to customer and prospect loan requests
• Performs financial analyses needed to make credit decisions
• Contributes and provides input to group loan decision process based on evaluation of credit risk and other key factors
• Supports commercial banking team and recommends credit solutions that add value to the Customer
• Manages specific credit activities to ensure performance quality, consistency of underwriting and timeliness meets or exceeds Customer expectations
• May manage overall analytical support and workflow production needs for a department
• Works on larger, more complex deals, mainly focused on Middle Market
• Acts as a consultant to business lines regarding credit issues, processes and procedures
• Participates in organizational cost benefit analysis and implementation

Credit Portfolio Manager I – Education, Not for Profit

Advisor

• Handle bodily injury tort claims in Alberta
• Investigate claims regarding liability, injuries, and accident-related damages
• Maintain adequate case reserves by adhering to BI reserving protocol
• Communicate with clients, third-party claimants, and other involved parties
• Build trust and business relationships with Plaintiff Counsel and Defence Counsel

Bodily Injury Claims Advisor

• Engage customers in day-to-day advice needs, service transactions, digital education, and customer problem resolution related to banking solutions
• Understand customer needs and guide customers to the right contact person for appropriate solutions
• Build customer confidence on emerging digital banking trends by educating them on mobile, ATM, and online banking
• Support the frontline staff with scheduled cash and non-cash transactions; resolve critical issues and report non-standard matters to management
• Recommend improvements to work practices, branch operations and processes to enhance customer experience and achieve operational excellence

Personal Banking Associate Trainee, Cantonese/Mandarin

Product Manager

• Define and lead complex initiatives in Small Business Banking
• Collaborate with cross-functional teams for project delivery
• Conduct analysis to improve customer buying journeys
• Lead initiatives and manage risks and issues
• Support change management and stakeholder alignment

Product Manager – Small Business Banking

Mortgage Loan Officer

• Assists high producing loan officers in the effective and timely completion of loan applications
• Actively manages the document collection process from origination to closing
• Manages the Mortgage Loan Officers pipeline, including the tracking of all deliverables and updating borrowers on status of the loan
• Works with customers to set expectations including but not limited to rate inquiries, third party providers, loan status and other information deemed necessary
• Confirms appointments and reviews with customer all documents needed at time of application to ensure efficiency
• Facilitates application process by interfacing with customers in taking full or completing partial applications
• Discusses products and pricing at the request of, or in the absence of, the loan officer
• Reviews files in detail to foreshadow any potential issues related to income and assets and remedies potential issues prior to file being sent to underwriting
• Assists in structuring deals to meet underwriting guidelines
• Advocates for client file and manages the file through the underwriting escalation process when necessary
• Understands TD underwriting guidelines and has the ability to clearly communicate and explain to borrowers
• Writes credit memos for loans explaining unique circumstances and clearly summarizes the lending request
• Serves as a liaison between Loan Officer and Mortgage Operations, Sales Support
• Aids in the development of a customer database in support of the pursuit of new marketing opportunities
• Follows up with sales leads on behalf of the MLO utilizing strong verbal or written communication skills
• Proactively manages the lead pipeline in concert with the MLO
• Establishes strong relationships with the MLO's referral partners independent of the MLO
• Assists in other areas as needed

Mortgage Loan Officer Assistant II

• Own the management of Third Party Business Arrangements through all stages of the TPML
• Manage Third Party Business Arrangements through all stages of the TPML
• Monitor, analyze and report a Third Party's performance through delivery against SLAs, SLOs, KPIs or other contractual commitments
• Collaborate with internal stakeholders to support business needs by delivering a transition or termination of a Third Party
• Conduct internal and external research projects; support the development/ delivery of presentations / communications to management or broader audience

Vendor Manager III

Compliance

• Provides advice, support and objective guidance to assigned portfolio, business or function on development and maintenance of all aspects of Compliance/Center of Excellence programs in line with the Bank's risk philosophy and strategic direction
• Works independently and is accountable for managing a specialized Compliance function or area
• Provides comprehensive coverage for a significant business or functional area across all legal entities and jurisdictions where TD operates
• Provides advanced analysis and/or specialized reporting to support business partners, functional areas or centers of expertise
• Provides guidance and support to analysts on matters related to portfolio and specialty
• Typically a subject matter expert for a key functional Compliance area and business
• Manages/assists with regulatory reviews including inquiries, audits, and exams
• Identifies and leads problem resolution for project/program complex requirements related issues at all levels

Commercial Credit Underwriter II

Director – Supervisory Analyst, Research

Financial Planner

Financial Planner

Credit Management Associate III

Data Scientist II

Equity Research Associate – Connectivity Semiconductors, Networking

Senior Analyst, Trading Surveillance

Credit Portfolio Manager I – Education, Not for Profit

Bodily Injury Claims Advisor

Personal Banking Associate Trainee, Cantonese/Mandarin

Product Manager – Small Business Banking

Mortgage Loan Officer Assistant II

Vendor Manager III

Compliance Oversight Manager – Real Estate Secured Servicing