TD Bank

Senior Manager, Credit Management

TD Bank • $15K — $163K *
Brampton, ON L6P 2P6In-Person
Finance & Insurance
8 - 10 years of experience
Today
Be an Early Applicant
Job Overview by Ladders

Qualifications

  • Undergraduate or graduate degree in a related field
  • 10+ years of relevant credit management experience
  • Proven leadership capabilities in guiding and developing teams
  • Strong understanding of credit risk assessment and management
  • Expertise in structuring complex credit deals adhering to risk policies
  • Excellent customer service skills with a track record of enhancing client relationships

Responsibilities

  • Lead and develop a team of Credit Analysts to achieve business objectives
  • Oversee the credit portfolio, ensuring compliance with risk policies
  • Implement strategies to enhance customer experience and business growth
  • Structure competitive credit solutions tailored to customer needs
  • Review and approve credit applications within delegated authority
  • Coach the team on risk management practices and credit structuring
  • Foster relationships with internal and external partners for optimal service

Benefits

  • Diverse and inclusive workplace culture
  • Opportunities for professional growth and development
  • Support for colleague well-being and work-life balance
  • Engagement in community initiatives
  • Access to continuous learning and improvement programs
Full Job Description
Work Location:
Brampton, Ontario, Canada

Hours:
37.5

Line of Business:
Credit Management

Pay Details:
$15,600 - $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 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:

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.

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
  • 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


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 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, escalate 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


EMPLOYEE / TEAM

  • 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, respected, and listened to; committed to a common goal and collaborate to move with speed and get things done
  • Demonstrate inclusive leadership by taking meaningful action with intention to support colleagues and customers across all dimensions of diversity, including those from underrepresented communities, being actively anti-racist, attracting and retaining diverse slate of candidates, nurturing mutual respect, inclusivity of thought and collaboration to drive successful results
  • Sustain, identify strong talent, recruit and develop a diverse talent pipeline of qualified workforce to innovate and maximize individual strengths to lead to a better business outcome
  • Enable colleague growth by encouraging colleague development to achieve career and business objectives; ensuring timely feedback, motivating appreciation and recognition to all colleagues
  • Enable a continuous learning culture by proactively seeking, listening to and actioning feedback from peers and from colleague listening opportunities to continuously improve the colleague experience and grow your personal leadership
  • Foster an environment that promotes sharing of knowledge, information, skills, and subject matter expertise among the team; ensure timely management and escalation of issues and create opportunities to collaborate with other functions and teams
  • Lead your team through change and create an environment where teams feel psychologically safe to challenge current practices by modeling resiliency and flexibility, communicating a compelling vision with clarity and empowering colleagues to drive innovation
  • Contributes to the development of business segment and/or enterprise functional strategic priorities within their operational area or field of specialty that drive results
  • Develops annual and/or long-term plans for own area that are aligned with enterprise-wide priorities, reinforcing a focus on results that align to One TD
  • Foster a high-performance culture by setting team targets and objectives, promoting and facilitating on-going feedback/coaching and conducting Quarterly Check-Ins for all colleagues to drive accountability and business results
  • Manage employees in compliance with all human resources policies, procedures and guidelines of conduct


BREADTH & DEPTH

  • Oversee, lead, and coach a team of commercial credit analysts and customer service officers while growing talent, developing skills and capabilities to achieve career goals and business results
  • Oversees credit management function for moderate to highly complex commercial accounts
  • Provides coaching, mentorship and guidance within area of expertise
  • Manages and oversees the overall discipline and strategy for the respective areas while aligning to the enterprise best practices
  • Strategic partner to leadership team on the management of the portfolio and unit profitability and accountability, with deep industry, external / internal, enterprise knowledge, recognizing and anticipating emerging trends and identifying operational efficiencies and opportunities with other business management / enterprise areas
  • Involved in key strategic discussions related to strategic roadmap and/or deliverables/ frameworks/ short to long term goals etc.
  • Set operational team direction and collaborate with others to execute on unit goals
  • Focus on longer-range planning for business area (e.g. 12 months or greater)
  • Generally, reports to the Unit Leader


EXPERIENCE & EDUCATION

  • Undergraduate/Graduate degree and/or
  • 10+ years of relevant experience

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

Similar Jobs

Ad banner background

Get Ready For Your
Next Interview

More Jobs at TD Bank

More Finance & Insurance Jobs

Find similar Senior Manager, Credit Management jobs:

NationwideBrampton, ON