Senior Manager, Credit Management

Job Details

Work Location:

Concord, Ontario, Canada

Hours:

37.5 hours per week

Line of Business:
Credit Management

Pay: $115,600 - $163,200 CAD

• Lead a team of Credit Analysts, providing guidance, leadership, coaching, and development to achieve business results and professional growth objectives.
• Oversee the overall credit portfolio, ensuring structured deals meet risk policies, and structure more complex deals in the unit or market.
• Deliver a superior customer experience while driving profitable business growth in line with strategy.
• Coach and model appropriate behavior to improve the customer/partner experience.
• Act as a consultant to resolve customer operational and credit issues and structure new credit requests.
• Package competitive credit solutions in a timely manner to meet customer needs.
• Champion use of the sales platform to build customer understanding of needs, industries, and markets.
• Develop and maintain relationships with internal and external partners to deliver optimal service.
• Maintain expert knowledge of market, industry, and broader economic factors.
• Develop and maintain Centre of Influence strategies and relationships.
• Respond to changes in the business environment, establishing action plans for customer issues and priorities.
• Primary point of contact for escalations for significant risk matters/exceptions.
• Contribute to the identification of customer/referral opportunities to internal bank partners.
• Develop and implement business plans, goal setting, growth strategies, and coaching for the unit.
• Set service and control standards aligned to business objectives, and oversee deliverables and results.
• Coach team in credit structuring and pricing to meet customer needs while adhering to policies.
• Assess all credit applications for risk quality, structure, due diligence, and application quality.
• Review/approve credits within delegated limits and recommend for others.
• Refer to other TD partners and respond to reciprocal referrals.
• Ensure staff comply with applicable regulatory and compliance guidelines.
• Monitor and control portfolio within approved guidelines, aligning to operating policies.
• Apply TD's risk management strategy and maintain a culture of risk management.
• Promote a team environment focused on accountability, performance, and collaboration.

• Undergraduate or graduate degree.
• 10+ years of relevant experience.

• Base salary, variable compensation, health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs.