Job Description

Company Overview

Our Values
At TD we\'re guided by our purpose is to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture.

Making Your Well-being a Priority
A caring and supportive culture that promotes colleague well-being is core to who we are. At TD, we focus on total well-being with extensive programs to help colleagues assess, manage, and improve their well-being across four core pillars - physical, financial, social and mental/emotional. In addition, we champion a safe, inclusive and supportive work environment to help colleagues feel a sense of belonging, and supported in their personal and professional growth. Through our focus on total well-being, we know that we can help our colleagues thrive, contribute to our culture of care, and support better business outcomes \xe2\x80\xa6 because when colleagues feel their best, they\'re more likely to do their best.

Our Total Rewards Package
Our Total Rewards package reflects the investment we make in our colleagues to help them, and their families achieve their 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 including medical, dental, vision & mental health coverage, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs.

How We Work
At TD, we believe in-person connections fuel collaboration and collective creativity. Our workplace experience empowers colleagues to do great work side-by-side at TD locations, while offering flexibility to work remotely where it makes sense for the work and team. Our teams work in one of three workplace models: hybrid, onsite and primarily remote. Wherever our colleagues are working, they\'ll always have access to the TD community and experience our culture of care.

Who We Are
TD is one of the world\'s leading global financial institutions and is the fifth largest bank in North America by branches. Every day, we deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is a customer obsessed organization, and we are deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you\'ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we\'re here to support you towards your goals. As an organization, we keep growing - and so will you.

Department Overview

The Financial Restructuring Group ("FRG") within Business Banking is a center of excellence within the Business Bank where the primary role is assisting financially troubled clients. The Account Manager manages a portfolio of customers in the FRG segment. The position works closely with the commercial and full-service branch network and with external professionals including Legal Counsel, Accountants/Monitors, Receivers and Trustees.

The Commercial Banking Account Manager, FRG is a trusted advisor who with sensitivity to the clients operating environment, structures innovative solutions that demonstrate an understanding of their unique financing, cash management and business support needs. This career opportunity will allow you to develop & learn best practices within the Commercial Banking group by assisting in our rotational FRG program.

The Account Manager, FRG is responsible for structuring credits and addressing heightened risk scenarios. This includes completing the necessary due diligence, reviewing the security structure, restructuring the terms and conditions of credit and amending pricing to reflect the increased risk. This includes writing ongoing credit reviews and assessing risk ratings that reflect knowledge of Bank policies and procedures.

Job Requirements

• An undergraduate or graduate degree in Business, Economics Finance or other quantitative discipline MBA or CFA would be as asset.
• Minimum 5 years Commercial Account Management experience or equivalent experience in consulting/advisory.
• In addition to your undergraduate degree in business or relevant professional designation, you ideally have a minimum of 5 years of experience as a Financial Analyst or Account Manager in a Business Banking environment.
• Alternatively, you may have experience in another profession such as consulting that supports the needs of business and are looking for an opportunity to add value from a different perspective.
• You have well developed analytical, relationship management and business development skills and look forward to developing them further in this role.

Hours

37.5

Job Details

This career opportunity also encompasses the following:

• Assist clients to restructure credit deals so that they remain both viable and long-term customers of the Bank. Protect the Bank\'s shareholders, where/when necessary, exit relationships and/or realize on assets in order to repay loans.
• Establish loan pricing/fees commensurate with the risk profile of the relationship.
• Ensure products and services operate in a compliant manner minimizing the regulatory compliance and operational risk to the Bank.
• Make sure credit risk is properly assessed by performing independent risk analysis and by rationalizing any exceptions to the policies and lending guidelines of the Bank.
• Develop creative solutions to minimize risk and when possible, provide support and flexibility to the client during the restructuring period.
• Protect the Bank\'s assets by managing/using adequate risk monitoring systems and processes and by evaluating each account\'s performance as it relates to the assessment and management of credit risk.
• Monitor and control the portfolio and provide feedback to the Manager Commercial Credit on any accounts that are outside assigned limits and conditions.
• Understand the market and the industries within the portfolio to ensure value added service is provided to clients while mitigating risk to the Bank.
• Enhance the TD brand by participating in network events. Embrace and promote a positive environment that supports a diverse workplace.
• Actively participate in the performance management process including performance reviews, feedback and coaching sessions.

Workplace Model

Hybrid

Inclusiveness

Our Commitment to Diversity, Equity, and Inclusion
At TD, we\'re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We\'re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.

How We\'re Helping Make an Impact in Communities
TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That\'s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of $1 billion by 2030 in community giving four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It\'s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities.

Accommodation
Your accessibility is important to us. Please let us know if you\'d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!

Business Line

TD Commercial Banking

Job Category - Primary

Commercial Banking

Job Category(s)

Commercial Banking

Job Family

Origination

Time Type

Full Time

Employment Type

Regular

Pay Details

We\'re committed to providing fair and equitable compensation to all our colleagues. As a candidate, we encourage you to have an open dialogue with your recruiter and ask compensation related questions, including pay details for this role.

TD Bank