Senior Manager, Commercial Credit; MCC - TDAF

Position: Senior Manager, Commercial Credit (MCC) - TDAF
## Senior Manager, Commercial Credit (MCC) - TDAFApplyremote type:
On Site locations:
Toronto, Ontario time type:
Full time posted on:
Posted Todaytime left to apply:
End Date:
July 3, 2026 (14 days left to apply) job requisition :
R _1491574
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* Work Location:

** Toronto, Ontario, Canada
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* Hours:

** 37.5
** Line of Business:
** Credit Management
** Pay Details:
** 115, CADThis role is temporarily eligible for a pay premium above the posted salary range that is reassessed annually. You are encouraged to have an open dialogue with your recruiter who can provide more specific pay details for this role.

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience  compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
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* Job Description:

** TD Auto Finance (TDAF) is a dynamic division within TD. This is an exciting opportunity to join a rapidly growing business with Automotive Banking Centres located in Toronto, Calgary, and Montreal. Led by regional Market Leaders, our team of commercial bankers is focused on providing bespoke financing and cash management solutions to our clients within the automotive dealership industry in Canada.

The TDAF Commercial team is focused on lending to auto dealers across the country, providing comprehensive solutions to meet their banking needs. Credit exposure includes real estate and acquisition financing, operating credit, floor plan financing, lease lines and equipment financing. Transactions can range significantly in size and complexity from ~$15 million for small, single location dealers to +$500 million for large dealer groups.

TDAF is over 900 people strong including an external sales team located coast to coast, as well as teams in credit adjudication, funding, inside sales, loan administration, customer service, collections and recovery, and our federated functions of risk management, technology solutions, finance & human resources. You will lead a team of Credit Analysts covering a diverse portfolio of automotive dealerships across Ontario and Atlantic Canada.  

Provide guidance, leadership, coaching and development to ensure business results and professional / personal development objectives are achieved for the group. Responsible for the overall credit portfolio, including deal structuring and risk monitoring .  Accountable for delivering a superior customer experience while driving profitable business growth, in line with business strategy.
** CUSTOMER
* ** Lead the execution and achievement of the business' customer / partner experience targets by coaching and modelling appropriate behaviour and executing on plans to continuously improve customer experience
* Act as a consultant to the team in resolving customer operational and credit issues and when structuring new credit requests to deliver a positive customer experience
* Structure and package competitive credit solutions in a timely manner to meet customer needs as required
* Develop and maintain relationships with internal and external partners for the purpose of delivering optimal customer service
* Be an expert on market, industry and broader economic factors
* Identify and respond to changes in the business environment, establishing action plans to address customer issues and priorities
* Primary point of contact for escalations for significant risk matters / exceptions
* Contribute to the identification of customer/prospect referral opportunities to internal Bank partners that meet customer needs
* Enhance the TD brand by participating in network events
** SHAREHOLDER
* ** Contribute to the development and implementation of the business plan, goal setting, growth strategies and coaching for the Unit
* Set service and control standards aligned to overall business objectives and oversee / monitor deliverables and results
* Meet or exceed business targets for the Unit
* Coach team in credit structuring to meet the needs of the customer and to adhere to TD's risk management policies and credit appetite
* Assess all credit applications, ensuring they provide a high quality of risk assessment, credit structure, due diligence, and credit application
* Review/approve credits within delegated limits and make recommendations on all others
* Ensure all staff are knowledgeable of and operate within the applicable regulatory and compliance guidelines/policies and procedures
* Ensure the portfolio is comprehensively monitored and controlled, adhering to and administered within…