Job Description

TD Description

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Department Overview

The Retail Risk Management (RRM) Credit Group is part of Risk Management; an independent and enterprise-wide function that is responsible for the design and implementation of the Bank's enterprise risk management framework.
The RRM Credit Group is responsible for credit adjudication of exception lending and high dollar borrowing exposure for all Retail Class partners : Credit Cards, Personal Lending, Real Estate Secured Lending, Small Business, TDAF and Wealth Management. The RRM Markham/TDMS Team holds a principle focus of RESL oversight for all TD Lines of Business (Branch Banking, Broker Services, Mobile Mortgage Specialists, Ready Advice and Third Party Lending).

The RRM Credit Group provide expert lending advice and knowledge to help Partners grow the Business within our Risk Appetite.

Job Requirements

• Act as a subject matter expert in all areas of credit adjudication, policies processes and risk management for all Retail Asset Class lending.
• Demonstrate strong credit acumen with the confidence to decision all deals related to High dollar and exception lending, within the Bank's risk appetite.
• Manage risk profile for the business and provide feedback, direction and coaching as necessary.
• Authorize credit within designated limits.
• People management accountability including performance, appraisals, recruitment, training, career and personal development and performance management.
• Build and maintain an ongoing positive day to day working relationship with vendors, and business partners by effectively and regularly communicating.
• Be knowledgeable of and comply with the Bank Industry Codes of Conduct.
• Take a leadership role on the team and be proactive in recommending solutions to resolve issues that may arise from time to time.
• Lead, coach and develop colleagues to achieve business results and professional/personal development.
• Create and foster a cohesive team and promote a positive work environment.
• Maintain good relationships with partners including responding to questions and concerns.
• Identify and manage areas of risk and escalate as necessary.

Hours

37.5



Reporting to the Senior Manager, the Manager is responsible for:

• A People Leader for a Team of Risk Managers
• Credit adjudication across all Lines of Business
• Acting as a point of escalation to collaborate and support our Partners
• Execute our oversight with the highest credit quality
• Attentive to credit and economic trends, keeping the Team apprised and elevating appropriately

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.

Additional Information

• Previous/Current adjudication experience, strong credit acumen and has held credit limits in previous roles
• Above average analytical skills, strong aptitude for problem solving and capacity for effective work flow, organization and planning
• Strong organizational skills with ability to manage multiple deadlines and priorities
• Proven leadership capabilities and strong relationship management skills with an ability to influence others
• Proven experience managing the balance between risk and customer experience
• Demonstrated negotiation and problem resolution skills
• Ability to work efficiently and to multi task in fast paced environment
• Experience in Centralized and/or Exception Lending environment, Risk or Compliance experience is an asset
• . Superior written, verbal and communication skills
• . Strong understanding of Real Estate Lending and current economic climate.

Business Line

Corporate

Job Category - Primary

Risk Management

Job Category(s)

Risk Management

Job Family

Group Risk Management

Time Type

Full Time

Employment Type

Regular