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A key objective of RRM is to develop / implement / monitor retail credit risk valuation models and to forecast loss performance. Our Basel II regulatory models are designed to ensure that the Bank has appropriate capital reserves for an unexpected and/or severe downturn in the macroeconomic environment. In addition, our Allowance and PCL reporting will ensure sufficient reserve will be set aside to cover the anticipated losses for the Canadian Retail exposures
The primary functions of this position include performing IFRS 9 Expected Credit Loss (ECL) Analysis, Forecasting and Reporting for TDCT Retail Credit Products. In addition, the incumbent will involve in the initial ECL (Expected Credit Loss) reporting, attribution analysis, manual adjustment and MAUL process development, and the governance control. The creation of the forecasting methodologies on various staging buckets is also required.
Delivers timely, comprehensive and quality management reporting and analysis
Responsible for ensuring adequate controls are in place to meet audit and accuracy standards
Prepare monthly and quarterly reporting with supporting commentary including explanation of variances
Supports all business partner inquiries pertaining to ECL analysis
Develops and maintains credit loss estimate techniques to support forecasting and planning activities
Ownership of a few key TDCT product segments for the quarterly ECL Forecasting
Identify anomalies and recommend a course of action
Other Reporting & Analysis:
Works with our Risk Management and Product partners to research and develop value added analysis
The applicant needs to have the ability to identify problems and spot trends. He/She will need to analyze the information available and explain the various results. Specifically, the successful applicant will know the correct questions to ask in order to test any hypotheses for these questions
The successful applicant is able to work with other areas of the bank and determine their reporting needs from information available within the Retail Risk Management databases
Knowledge in retail banking products, allowance calculation and forecasting is a definite asset
Excellent verbal and written communication skills
Solid time management, organizational and multi-tasking skills
Demonstrated strong analytical, and problem solving skills
Able to learn new concepts and techniques quickly
Advance skills in Excel, Word, and PowerPoint
Experience in IBM Mainframe, JCL, SAS, SQL
Must be a good team player
Post-secondary degree in a quantitative field such as Mathematics, Statistics, Economics, Computer Science and Engineering would be an asset
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 and serve. 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.