Associate, CIB Credit, TDGF

Work Location:

Dublin, Ireland

Hours:

35

Line of Business:

TD Securities

Pay Details:

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:

Job Title:                                                         Associate, CIB Credit, TDGF

Job Level:                                                        L09

Job Type:                                                        Non Regulated

Business/Product Group:                                CIB / CIB Credit  

Location:                                                         Dublin, Ireland  

Position Summary: (Overview of key purpose and accountability of the role)

The Associate will perform fundamental credit analysis on large global corporate clients across a broad range of sectors, including but not limited to Industrials, TMT, Infrastructure, Transportation, Utilities, and Natural Resources. Working at the centre of TD’s European Corporate & Investment Banking platform, the role offers exposure to complex financings, investment grade and leveraged lending transactions, portfolio management, and direct engagement with senior stakeholders across the bank. The Associate will play a critical role in underwriting, monitoring, and managing credit risk for a diverse portfolio of multinational clients while contributing to the continued growth and strategic development of TD Global Finance (TDGF) and TD’s European franchise.

Specific Responsibilities:

• Lead and prepare high-quality credit analysis and recommendations for assigned borrower relationships, including annual reviews, interim credit requests, new underwriting opportunities, amendments, waivers, and refinancings, while supporting presentations to the TDGF Credit Risk Committee.
• Assess the creditworthiness of large corporates through detailed financial statement analysis, cash flow assessment, business and industry evaluation, peer benchmarking, capital structure analysis, and downside scenario testing.
• Oversee and monitor the performance of TDGF’s loan portfolio, ensuring ongoing compliance with approved credit authorizations, covenant requirements, regulatory expectations, and internal risk management standards.
• Prepare annual and interim credit reviews in accordance with TD policies and regulatory requirements, including the determination and maintenance of accurate internal risk ratings reflecting probability of default (PD) and loss given default (LGD).
• Conduct in-depth market, industry, and company research to support underwriting and portfolio management activities, identifying emerging risks, industry trends, credit events, and opportunities that may impact the portfolio.
• Review and analyse credit agreements, security packages, ISDA documentation, and other financing arrangements to ensure legal documentation appropriately reflects approved transaction structures and risk mitigants.
• Identify, evaluate, and communicate key credit, structural, legal, and execution risks, while developing practical solutions and recommendations that support both risk management objectives and client needs.
• Partner closely with Corporate Banking Relationship Coverage, Investment Banking, Debt Capital Markets, Global Markets, Treasury, Global Trade Finance, Cash Management, and other product partners to structure and execute financing solutions for corporate clients.
• Support the underwriting and execution of a wide range of transactions, including revolving credit facilities, term loans, acquisition financings, bridge facilities, and other strategic lending opportunities.
• Prepare transaction analyses, term sheet reviews, committee materials, and client presentations, ensuring key risks, mitigants, and return metrics are clearly documented and articulated.
• Build strong working relationships with internal stakeholders across business, risk, legal, operations, and finance functions to facilitate effective credit decision-making and transaction execution.
• Actively contribute to the strategic development, growth initiatives, and business planning activities of TDGF and TD’s European Corporate & Investment Banking platform.
• Participate in TDGF Credit Risk Committee discussions, providing thoughtful analysis and insights on borrower performance, portfolio developments, and new underwriting opportunities.
• Prepare management reporting and portfolio analytics for senior management, governance committees, regulators, and other stakeholders on both a scheduled and ad hoc basis.
• Maintain strong relationships and regular engagement with Risk Management, senior credit executives, and business partners to ensure alignment on risk appetite, portfolio trends, and strategic objectives.
• Stay current on economic, market, regulatory, accounting, and legal developments affecting corporate borrowers and credit markets.
• Demonstrate strong governance, control, and risk management behaviours consistent with TD’s risk culture, policies, and regulatory obligations.
• Support, mentor, and develop junior team members, fostering technical credit skills, sound judgement, and professional growth in line with TD’s leadership framework.

Requirements:

• Relevant experience in corporate banking credit at Associate level.
• Bachelor's/University degree or equivalent - CFA, ACT or an accounting designation is considered an asset.
• Sound understanding and experience of credit and wholesale banking products.
• Strong planning, organizational, verbal and written communication skills.
• Strong business and financial analytical skills.
• Sound knowledge of MS Office applications (Word/Excel/PowerPoint).
• Strong work ethic and commitment to business goals and high professional standards.
• Ability to work effectively in both independent and team environments.

Who We Are

TD Securities 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.