Associate, Credit Management

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We’re committed to providing fair and equitable compensation to all our colleagues. As a candidate, we encourage you to have an open dialogue with a member of our HR Team and ask compensation related questions, including pay details for this role.

Job Description:

The Global Markets Credit group is responsible for implementing and enforcing the Bank’s credit policies related to derivative exposures and counterparty credit portfolios. The team supports the trading business through disciplined risk management, credit analysis, and close partnership with internal stakeholders across TD Securities.

The Credit Management Associate is a member of the Global Markets Credit team, working closely with Sales and Trading to support the origination and ongoing management of trading relationships. The role is responsible for credit analysis, structuring, and recommendation of credit and derivative facilities, as well as ongoing monitoring of counterparty risk across a diverse portfolio of clients.

• Manage the credit risk of an assigned portfolio of trading counterparties, primarily large financial institutions across Asia Pacific, including banks, asset managers, broker-dealers, and government-related entities.
• Assess and monitor credit exposures across a range of products, including derivatives (FX, rates, commodities, equities, credit etc.), financing transactions (prime brokerage, securities lending, repos etc.), money market instruments, and direct credit facilities.
• Prepare clear, well-supported credit submissions, including industry, market, and counterparty analysis, and provide sound credit and facility risk recommendations.
• Partner with Sales and Trading, Global Transaction Banking, and other internal teams to ensure timely and appropriate credit support within the Bank’s risk appetite.
• Monitor portfolio performance, ensure compliance with approved limits and conditions, and proactively identify and address emerging credit risks.
• Contribute to credit strategy, portfolio reporting, and initiatives aimed at improving efficiency, turnaround time, and overall risk management processes.
• Maintain effective communication with stakeholders and deliver a high standard of client service.

• Minimum of 3 years of relevant credit or risk management experience.
• Strong understanding of capital markets, derivative products, and associated market and credit risks.
• Proven financial analysis and credit assessment skills.
• Familiarity with trading and credit documentation (e.g., ISDA, GMRA, GMSLA, loan agreements) is preferred.
• Strong written and verbal communication skills; proficiency in English required, with Japanese language skills considered an advantage for potential communication need with Japanese institutional clients
• Proficient in Bloomberg, credit related systems, and Microsoft Office.
• MBA and/or CFA/FRM designation is an advantage.

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 investment we make in our colleagues to help them, and their families achieve their well-being goals. Total Rewards at TD includes a base salary and several other key plans such as health and well-being benefits, including medical coverage, paid time off, career development, and reward and recognition programs.

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 

If you require an accommodation for the recruitment / interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.