Job Description

TD Description
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The Credit Solutions Group is focused on helping to create and implement complex structured financial solutions providing superior risk adjusted after-tax rewards for Ultra High Net Worth and High Net Worth individuals, families, and business leaders. The department brings value through custom loan structures that help private Banking clients build net worth, protect what matters, implement tax-efficient strategies and leave a legacy.
\xef\x82\xa7 The target market includes UHNW and HNW individuals and their families, successful business entrepreneurs and professionals.
\xef\x82\xa7 The group has direct accountability and responsibility to assist Private Banking Market Managers and Private Bankers across the country in credit structures.
\xef\x82\xa7 The Credit Manager position reports to the National Director, Credit Solutions Group.
\xef\x82\xa7 The position works in a team environment and is responsible for assessing, structuring and underwriting new business, as well as managing the credit risk and the annual renewal process of an assigned portfolio while delivering a legendary client and partner experience.
\xef\x82\xa7 The position is the primary credit contact and liaison with partners to respond and facilitate credit within the assigned market region.
\xef\x82\xa7 The position will collaborate in a deal team environment with the Regional Director, National Director, Lead Relationship Manager and other client relationship team members / advisors as needed.
\xef\x82\xa7 The position is responsible for credit productivity and quality of their portfolio, ensuring credit renewals are completed in a timely manner and within expiry thresholds, and that all monitoring and control is completed accurately and on time.
\xef\x82\xa7 The position is supported by shared access to a Client Services Officer.
\xef\x82\xa7 The candidate must be able to work independently and in a team environment and must have sound knowledge of commercial and personal credit, Credit Risk Management procedures and principles, Wealth products and solutions, with comprehensive knowledge of bank administrative systems. In addition, the ideal candidate should have working knowledge and experience involving the following areas:
o Credit Analysis
o Financial Modeling
o Intermediate accounting and finance.
o Risk management theory and practices.
o Financial Planning
o Investment and treasury products
o Operational process expertise
o Security documentation.
o Retail banking knowledge
\xef\x82\xa7 Having worked in risk or business banking is considered an asset.
\xef\x82\xa7 French or Mandarin language skills are considered an asset.
Job Requirements
Financial

\xef\x82\x9f Maximize profitability based on volume growth, loan fees, pricing which includes the principles of Business Banking\xe2\x80\x99s RAROC Model, through high quality client interactions on an existing book of business.
\xef\x82\x9f Focus on achieving and supporting the group\'s targets.
\xef\x82\x9f Contribute to developing solutions for new and existing clients based on in-depth understanding of client needs.
\xef\x82\x9f Partner with and support the Regional Director, Market Managers and Lead Relationship Managers in fulfilling all business opportunities and objectives.

Business Operation

\xef\x82\x9f The Credit Manager actively manages the credit structuring process, and is responsible for fulfilling the underwriting, funding and compliance review of credits.
\xef\x82\x9f Credit applications for presentation to Wealth Credit & Market Risk Management (WCMR) include formal assessment of each deal, detailed supporting analysis, appropriate financial modeling and due diligence performed.
\xef\x82\x9f The position is responsible for managing an assigned portfolio within established standard guidelines, ensuring the quality and accuracy of all client and partner inquiries and interactions by the team.
\xef\x82\x9f Adherence to both professional practices and standards and TD Bank Group processes & controls.
\xef\x82\x9f Responsible for staying current and informed about all updated operational and credit risk guidelines.
\xef\x82\x9f Be knowledgeable of and comply with Bank and industry codes of conduct and with securities laws and regulations.
\xef\x82\x9f Understand and apply bank/branch operating policies and procedures.
\xef\x82\x9f Act as liaison with outside counsel and advisors.

Client

\xef\x82\x9f Lead and model exceptional service at every partner and client interaction.
\xef\x82\x9f Ensure partner and client requests are handled professionally and in a timely and efficient manner, bringing in senior management and other business partners when necessary.
\xef\x82\x9f Contribute to the ongoing improvement of the partner and client experience.

Employee

\xef\x82\x9f Lead and model exceptional service at every partner and client interaction.
\xef\x82\x9f Ensure partner and client requests are handled professionally and in a timely and efficient manner, bringing in senior management and other business partners when necessary.
\xef\x82\x9f Contribute to the ongoing improvement of the partner and client experience.

Community

\xef\x82\x9f Promote TD\xe2\x80\x99s image within the community through participation and leadership in charitable initiatives
Additional Information
Accreditation Requirements: Post-Secondary degree, (Business Degree/MBA, CFA, Accounting Designation considered an asset)
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
Private Banking
Job Category - Primary
Wealth Management
Job Category(s)
Wealth Management
Hours
37.5
Business Line
TD Wealth
Time Type
Full Time
Employment Type
Regular
Country
Canada
**Province/State (Primary)
Ontario
City (Primary)
Toronto
Work Location
TD Centre - South - 79 Wellington Street West
Job Expires
01-Feb-2023