Associate Business Banking, Commercial Mortgage Group Associate

Work Location

Toronto, Ontario, Canada

37.5

Personal & Commercial Banking

$69,700 - $98,400 CAD

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.

Department Overview

The Commercial Mortgage Group (“CMG”) is an industry leader in the Canadian Commercial/ Multi-Unit Residential (MUR) mortgage market. CMG supports existing Business Banking / TD Securities / TD Canada Trust client base providing a commercial mortgage product that is competitive within the Canadian marketplace. Our goal is to deliver a commercial mortgage product at all times and in all market conditions, subject to assets, structure and other risk parameters being acceptable.

Reporting directly to an Associate Vice President or Manager Mortgage Credit, the Associate is responsible for a portfolio of Commercial loan facilities, with the following accountabilities:

• Underwrite new deals and annual credit reviews, ensuring credit risk is appropriately addressed
• Identify deteriorating situations and recommend appropriate course of action
• Ensure new deals submissions are competitive and completed in a timely manner Identify business opportunities among existing customers and in structuring and writing new deals
• Meet established guidelines for number of deals processed
• Effectively communicate Bank requirements and manage customer and retail branch expectations
• Develop a network of contacts within the Bank and with industry professionals that will assist in improving underwriting and overall level of service

• Good understanding of data analysis, financial statements, cash flow, business cycles, mortgage securities
• Strong written and verbal communication skills to build and maintain positive working relations with cross functional teams
• Above average analytical skills with proven aptitude for problem solving
• Possess high degree of judgement and decision‑making skills and integrity to process and handle confidential details with discretion
• Excellent organizational skills with the ability to multi‑task while meeting deadlines in a fast‑paced environment
• Proficiency in using MS Office

TD 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 reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs.

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We’re delighted that you’re considering building a career with TD. Through regular development…