Senior Manager, Credit Management

Work Location

Concord, Ontario, Canada

37.5

Credit Management

$115,600 - $163, 200 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.

Lead a team of Credit Analysts, providing guidance, leadership, coaching and development to ensure business results and professional / personal development objectives are achieved for the overall group. Responsible for the overall credit portfolio, ensuring structured deals meet risk policies, and may also actively structure more complex deals in the unit or market. Accountable for delivering a superior customer experience while driving profitable business growth, in line with business strategy.

• 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
• Champion use of sales platform to build a robust understanding of our customers/ target needs, industries and markets
• Lead and manage Credit Analysts in developing creative and competitive credit solutions that add value for our customers
• 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
• Develop and maintain Centre of Influence strategies and relationships
• 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
• May actively structure more complex deals in the unit or market together with the relationship management team

• 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 and pricing 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
• Actively refer to other TD partners and respond effectively to reciprocal referrals
• 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 approved guidelines and in line with established operating policies and procedures
• Apply TD's risk management strategy (credit and operational) and implement/operate systems to identify and mitigate operational risk issues, elevate non-standard high-risk transactions/ activities as necessary, and maintain a culture of risk management and control supported by effective processes in alignment with risk appetite
• Ensure employees are knowledgeable and assume responsibility to minimize operational and regulatory risk by complying with Bank and Industry Code of Conduct
• Understand changing market conditions, remain knowledgeable of relevant industry issues and coach the team to build collective business and technical acumen

• Cultivate and model the Colleague Promise to support colleague growth, and a culture of care; make an impact at work and in our communities by leading with authenticity and supporting well being to represent TD's brand
• Connect the alignment of colleague's contributions with the TD Shared Commitments
• Build and retain an engaged and diverse team that embraces diversity of thought, creativity and curiosity; where every colleague and customer are valued,…