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TD Bank Risk Portfolio Analyst III in Boston, Massachusetts


Job Title:

Risk Portfolio Analyst III

TD Description:

About TD Bank, America's Most Convenient Bank®

TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing over 9.8 million customers with a full range of retail, small business and commercial banking products and services at more than 1,100 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Auto Finance, a division of TD Bank, N.A., offers vehicle financing and dealer commercial services. TD Bank and its subsidiaries also offer customized private banking and wealth management services through TD Wealth®. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit . Find TD Bank on Facebook at and on Twitter at and .

TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol "TD". To learn more, visit .

We offer a competitive salary and benefit program, including: comprehensive, affordable health care through medical, dental, and vision coverage; financial security with life and disability insurance; opportunities to save using health savings and flexible spending accounts; retirement benefits to help prepare for the future; paid time off and work/life benefits to maintain a good balance.

Auto req ID:



United States, US TD Footprint

Job Requirements:

  • Must be eligible for employment under regulatory standards applicable to the position.

Performs functions noted for Risk Portfolio Analyst II

Manages complex analytical initiatives and interacts with TDCT Risk and Retail Lending lines of businesses

Works independently and interacts with internal/external accountants, auditors and bank regulators

Directs credit activities relating to risk exposure, credit policy, and credit underwriting changes to Senior Money-out Executives

Mentors junior level analysts

Oversees the retail credit portfolio analysis in support of financial, regulatory and risk management requirements

Provides guidance and assists staff with most complex aspects of work as necessary

Shares knowledge with others in the group

Contributes to and supports achievement of department/business unit goals

Acts as subject matter expert in assisting the Manager of Risk Analytics during the analysis for the US Allowance for Loan and Lease Losses (ALLL) for the Retail Credit Portfolios

Acts as a lead in other risk management related duties or special projects and performs additional duties as necessary

Exercises independent judgment by displaying and reaching conclusions on the most complex portfolio issues as well as assumes accountability for high quality recommendations regarding the credit portfolio

Supports results of analytical initiatives on portfolio modeling (including Basel), Stress Testing, migration analysis, and Allowance for Loan and Lease Losses (ALLL)

Develops analytical white papers for assigned portfolio considering current economic environments

Forecasts impact to assigned portfolio

Determines risk exposure, mitigation, and controls for new products, marketing campaigns, and expansion of existing programs

Establishes oversight of business lines compliance/risk controls and periodically evaluates risk mitigation efforts to make adjustments as risk/department influences change

Ensures TD Bank maintains successful audits and exams within all areas



Job Description:

The Risk Portfolio Analyst III provides skilled analytical research, analysis, and project-oriented support. Analyzes the quality of key risk components of assigned retail credit portfolios. Provides analysis of portfolio risks and makes recommendations to Senior Management regarding the direction of future lending activities. Ensures delivery of accurate extracts for Basel Modeling exercises as well as serving as portfolio subject matter expert on Basel Model results. Interacts with external accountants and regulators; the Federal Reserve, Office of Controller of Currency (OCC), and Office of the Superintendent of Financial Institutes (OSFI) and interacts with Risk and Analytical professionals at TDCT and TDBFG. In accordance with the governing principles outlined in the TD Enterprise Risk Appetite Statement and the framework documented in the Retail Credit Risk Management Mandate, the Risk Portfolio Analyst is responsible to effectively manage, monitor and control risk of the retail lending segments within TD Bank.


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 in and serve, and creating an environment where every employee has the opportunity to reach their potential.

If you are a candidate with a disability and need an accommodation to complete the application process, email the TD Bank US Workplace Accommodations Program at . Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.


Connecticut, District of Columbia, Delaware, Florida, Georgia, Massachusetts, Maryland, Maine, Michigan, North Carolina, New Hampshire, New Jersey, New York, Pennsylvania, South Carolina, Virginia, Vermont, TD Footprint


Atlanta, Baltimore City, Boston, Burlington, Charlotte, Cherry Hill, Concord, Fairfield, Farmington Hills, Greenville, Miami, Mount Laurel, New York, Philadelphia, Portland, Providence, TD Footprint, Vienna, Washington, Wilmington


Bachelor's degree required, Graduate Degree preferred or progressive work experience in addition to experience below

7 Years of related experience

Strong PC skills including proficiency in a variety of PC-based analytical and reporting software packages

In depth knowledge of portfolio analysis techniques and processes

Extensive analytical skills and practical knowledge of descriptive statistics

Excellent research skills required for industry analysis

Excellent written and verbal communication skills

Experienced in presenting to Senior Executives and Board of Directors

Work Location:

27777 Inkster Road, 4140 Church Road

Business Line:


Job Category - Primary:

Auto Finance

Job Category(s):

Auto Finance, Business Analysis / Reporting

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Mount Laurel

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Job Family:

Market Risk Management

Time Type:

Full Time

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District of Columbia

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