Job Description

TD Description
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Department Overview
TD Business Banking provides financial products and services to business customers and is comprised of the following businesses: Commercial Banking, Commercial National Accounts, Commercial Mortgage Group, National Real Estate Group, Agriculture Services and Small Business Banking.
Operating as a part of the Business Bank, the Small Business Credit Center is comprised of a team of Group Managers, Credit Analysts and Credit Managers focused on delivering timely credit decisions to our partners in the retail network right across the country. We strive to deliver first time right credit decisions, with a focus on growing market share while at the same time managing our risk appetite and regulatory framework. Our vision is to innovate and invest to deliver legendary value with speed. How we execute against that vision is to leverage our enterprise scale, process expertise, and lean disciplines to efficiently deliver capabilities while supporting our partners to effectively compete in the markets that they serve as a legendary One TD team.


As a Credit Manager your role is to adjudicate/underwrite credit applications for Small Business requests while continuing to develop excellent customer service skills and delivering a legendary customer experience to our partners.

• Optimize credit opportunities by assisting partners in adjudicating, structuring, packaging and authorizing credits
• Maintain good relationships with partners including responding to questions and concerns
• Contribute to operational improvements to streamline procedures/processes and enhance service
• Protect the interests of the Bank by ensuring credit is being adjudicated in accordance with assigned discretionary limits and established guidelines
• Perform due diligence in support of all credit applications
• Escalate with recommendation those credit applications that exceed discretionary limits and established guidelines
• Strong credit acumen- Subject Matter Expert with knowledge of credit adjudication and analysis
• Strong knowledge of various Adjudication platforms
• Advanced knowledge of products, end-to-end processes and systems
• Ability to identify and investigate non-standard operational / reporting / process issues
• Moderate to High level of complexity in operational / reporting / process and/or analysis
• Moderate to High credit limit authorization required for credit adjudication
• Experience in adjudication of complex credit applications involving multiple step transactions/ processes/activities that may involve numerous systems and range in complexity from medium to high
• Ability to identify and investigate non-standard operational/reporting/process issue
• Ability to provide training to others on best practices, processes, etc. as well as guide mentor other team members for the completion of business

Job Requirements

• The successful applicant must have previous credit analysis experience, strong credit acumen and preferably has held credit limits.
  
  • Experience in an exception lending environment
  • Above average analytical skills, strong aptitude for problem solving, organization and planning
  • Proven ability to deliver on Customer Experience goals
  • Strong aptitude for risk
• Undergraduate degree or technical certificate and/or
  
  • 5+ years relevant experience

Additional Information
SKILLS:

• Analytical Skills
• Research & Presentation Skills
• Business Intelligence
• Organized, detail oriented and ability to multi-task effectively
• Time management
• Negotiation Skills
• Relationship Management
• Effective Communication
• Interpersonal Skills
• Computer Skills

Inclusiveness
At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.
Job Family
Credit Risk Management
Job Category - Primary
Risk Management
Job Category(s)
Risk Management
Hours
37.5
Business Line
TD Commercial Banking
Time Type
Full Time
Employment Type
Regular
Country
Canada
**Province/State (Primary)
Ontario
City (Primary)
Markham
Work Location
3500 Steeles Avenue East Building 1
Job Expires
09-Feb-2023