TD Bank

Associate Director - Financial Restructuring Group

TD Bank • $96K — $136K *
Toronto, ON M3C 0E3In-Person
Finance & Insurance
5 - 7 years of experience
Today
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Job Overview by Ladders

Qualifications

  • Undergraduate degree in business or relevant professional designation.
  • Minimum of 5 years experience as a Financial Analyst or Account Manager in a business banking environment.
  • Alternatively, experience in another profession offering a unique perspective on business needs.
  • Excellent analytical, judgement, and decision-making skills in risk assessment.
  • Proficient in MS Office Suite and other productivity tools.
  • Strong communication skills for liaising with teams and professionals.
  • Robust organizational abilities to manage multiple priorities.

Responsibilities

  • Monitor and control credit portfolios and assess risk.
  • Restructure credit deals to maintain client relationships when possible.
  • Develop creative risk mitigation solutions during restructuring.
  • Lead risk analysis for assigned portfolios following bank policies.
  • Manage risk monitoring systems to protect bank assets.
  • Ensure regulatory compliance in product and service operations.
  • Build effective relationships with professional firms and clients.

Benefits

  • Flexible work environment with a hybrid model.
  • Opportunities for continuous skill development and career growth.
  • Supportive team atmosphere that values innovation and teamwork.
  • Emphasis on work-life balance with structured performance management.
Full Job Description
Work Location:
Toronto, Ontario, Canada

Hours:
37.5

Line of Business:
Credit Management

Pay Details:
$96,900 - $136,800 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 at TD. Our 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.

Job Description:

The Associate Director, Financial Restructuring Group is responsible for monitoring and control, structuring credits and addressing perceived risk. This includes completing necessary due diligence, establishing pricing and terms of credit, and also producing ongoing credit reviews and risk ratings that reflect knowledge of Bank policies and procedures.

Working closely with the Director, the position encompasses the following tasks:
  • Work with clients and/or the Bank's advisors to restructure credit deals so that Borrowers may remain both viable and long term customers of the Bank. When not possible, exit relationships and/or realize on assets in order to repay loans in the interest of protecting the Bank's shareholders.
  • Develop creative solutions to minimize risk and, when possible, provide support and flexibility to the client during the restructuring period.
  • Lead all aspects of analysis for an assigned portfolio. Ensure credit risk is properly assessed by performing independent risk analysis and by applying the policies and lending guidelines of the Bank.
  • Protect the Bank's assets by managing/using adequate risk monitoring systems and processes and by evaluating each Borrower's performance as it relates to the assessment and management of credit risk.
  • Monitor and control the portfolio and provide feedback to the Director on any accounts that are outside assigned limits and conditions.
  • Establish loan pricing/fees commensurate with the risk profile of the relationship.
  • Ensure products and services are sold and operate in a compliant manner minimizing the regulatory compliance and operational risk to the Bank.
  • Understand the market and the industries within the portfolio to ensure value added service is provided to clients while mitigating risk to the Bank.
  • Continually deliver exceptional service at every interaction and execute on plans to continuously improve the customer experience.
  • Develop and maintain effective relationships with various professional firms.
  • Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/points of interest.
  • Lead, support, mentor and provide guidance to your team and within your unit.
  • Actively participate in the performance management process including performance reviews, feedback and coaching sessions.
  • Seek knowledge both formal and informal in line with PDP objectives.

Job Requirements
  • Undergraduate degree in business or relevant professional designation, and/or a minimum of 5 years of experience as a Financial Analyst or Account Manager in a business banking environment.
  • Alternatively, experience in another profession that supports the needs of the business with an opportunity to add value from a different perspective.
  • Excellent analytical, judgement and decision-making skills in assessing and handling risk profile for team processes.
  • Proficient in using MS Office Suite, productivity tools and end-user software.
  • A dynamic professional with a positive approach and strong communications skills to liaise with cross functional teams and colleagues and external professionals.
  • Robust organizational skills with the ability to work in a demanding environment and handle multiple deadlines and priorities

Additional Information

- This is a position with 4 days in the office

Language Requirement (Quebec only):
Sans Objet

About TD Bank

TD Securities offers a range of advisory and capital market services to its clients. The company's range of services includes research, investment banking, capital markets, and global transaction banking. Research consists of commodity and equity research. Investment banking consists of mergers, acquisitions, industry expertise, and credit origination. Global transaction banking consists of trade finance, cash management, and correspondent banking. TD Securities was founded in 1855 and is based in Ontario.

TD Bank Careers

Join the vibrant team at TD Bank, one of North America's leading financial services organizations, where innovation, leadership, and growth go hand in hand. At TD Bank, we are committed to fostering a culture of diversity and inclusion, making it an ideal place for ambitious professionals to thrive. Work You’ll Do At TD Bank, your professional journey is bolstered by a robust support system. From your first interview to every career milestone, you will find opportunities for growth and leadership. Our team is dedicated to helping you develop the skills necessary for success in the ever-evolving financial sector. TD Bank offers a variety of job opportunities across multiple fields, from customer service to investment banking. Each position at TD Bank is a chance to contribute to our culture of innovation and exceptional client service. Internship Programs Kickstart your career with a TD Bank internship. Our programs provide invaluable industry exposure and hands-on experience, making them a perfect starting point for students and recent graduates eager to make their mark in the banking industry. Interns at TD Bank enjoy the unique opportunity to work alongside seasoned professionals, gaining insights that are crucial for future employment. Benefits and Growth TD Bank is deeply committed to the well-being and continuous growth of our team members. We offer competitive benefits packages that cover health, finance, and family care. Our employees enjoy comprehensive health insurance, retirement plans, and generous paid time off, among other perks. Moreover, TD Bank encourages professional development through various training programs, including leadership development and diversity training. These initiatives ensure that our team remains at the forefront of industry standards and best practices. Join Our Team Explore the numerous career paths available at TD Bank and discover how your skills and interests align with our mission. We are actively hiring and continually looking for talented individuals who are passionate about banking and customer service. Networking and Professional Development At TD Bank, we believe in the power of networking and collaboration. Our employees have access to a wide range of networking events, workshops, and seminars that promote career development and professional growth. These platforms not only enhance your professional skills but also expand your industry connections. Stay Connected Keep up to date with the latest at TD Bank Careers by subscribing to our job alert emails. Tailor your subscription to match your career preferences and get the latest news, insider tips, and job opportunities delivered straight to your inbox. Explore job opportunities at TD Bank and be part of a team that values hard work, creativity, and a diverse workplace culture. Your next great career move is just a click away. SEARCH TD BANK JOBS Join us at TD Bank and let your ambition lead you to a rewarding career filled with opportunities to learn, grow, and innovate.
Learn more about TD Bank
Size
90,000 employees
Market Cap
$117.9 billion
Industry
Finance & Insurance
Net Income
-$6.9 million
5 Year Trend
+6.6%
* Ladders Estimates

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