Risk Manager

Job Location Wilmington, Delaware, United States of America Hours 40 hours per week Pay Details $120,000 - $145,600 USD Line Of Business Risk Management Job Description The Risk Manager I (US)-Credit Risk-Personal Loan manages the creation, implementation and validation of various risk segmentation strategies including, but not limited to: adjudication, account management, exposure management, risk segmentation, and financial return optimization. This job provides critical information, interpretative, and detailed analysis, and deploys critical credit risk rational strategies that ensure the decisions are made within the TD risk appetite and adhere to all governmental requirements and guidelines. The Risk Manager I's primary accountability is providing a comprehensive and diverse range of risk management expertise. The Risk Manager I investigates, creates, implements and validates various risk segmentation strategies and policies using complex data, advanced analytical approach, and business intelligence tools. Responsibilities Demonstrates governance, control and risk management behaviors in alignment with TD policies and practices Leads/participates in the identification, development and implementation of new initiatives, operating workflow, additional services/applications or operational efficiencies including potentially leading special project teams or cross functional work groups Assists with developing and enhancing credit risk assessment capabilities to identify and maintain good business opportunities with new and existing clients 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 Creates reports on the results of implemented strategies, using all appropriate quantitative methods and MIS, and makes recommendations to increase efficiencies and revenue while managing credit risk and produce those reports on a regular basis Effectively works cross-functionally with teams outside of risk Works with Internal Audit / External Regulators, to ensure that documentation for all work processes is complete and up-to-date Ensures sound credit control by taking a pro‑active approach to risk management within the risk guidelines of the Bank Ensures the timely communication of issues that are relevant to the team and encourages a good working relationship with other internal and external groups Education & Experience Bachelor's degree required; Graduate degree preferred 5+ years' experience required 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 Familiar with various analytical or reporting tools, such as SAS, R, Matlab, Tableau, etc. 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 Experienced in developing and presenting recommendations to Senior Management Preferred Qualifications Experience in Credit Risk and Credit Strategy (3-5 years) Experience in SAS and Python Strong Communication Skills Masters in Economics and/or Statistics Physical Requirements Domestic Travel – Occasional International Travel – Occasional Performing sedentary work – Frequent Performing multiple tasks – Continuous Operating standard office equipment - Continuous Responding quickly to sounds – Frequent Sitting – Continuous Standing – Occasional Walking – Occasional Moving safely in confined spaces – Occasional Lifting/Carrying (under 25 lbs.) – Occasional Lifting/Carrying (over 25 lbs.) – Occasional Squatting – Occasional Bending – Occasional Kneeling – Occasional Crawling – Never Climbing – Never Reaching overhead – Occasional Reaching forward – Occasional Pushing – Occasional Pulling – Occasional Twisting – Occasional 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 – Frequent 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 View email address on click.appcast.io. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. #J-18808-Ljbffr