Associate, Manager commercial credit, Brossard

Hours37.5Workplace ModelHybridPay Details

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Department OverviewTD Commercial Banking services the unique needs of Canadian businesses, customizing a broad range of products. As part of the Commercial Banking team the Manager Commercial Credit guides and supports a team of Account Managers whose job it is to structure credit proposals and analyze the risks associated with lending facilities for new and existing business clients that borrow in the $1 million to $25 million range.

The Manager Commercial Credit is part of the senior management group for a business banking unit and reports directly to the Unit Leader.

Job DetailsThe Associate MCC program is a 6 -9 months development program to complete all of the Associate MCC/MCS training components.

In the role of Manager Commercial Credit (MCC) you are principally responsible for managing the credit and operational risk for a unit's commercial loan portfolio. You are a subject matter expert and have the ability to analyze and understand credit proposals from a variety of industries. You can anticipate and assess the risks associated with entering into a lending relationship under a wide range of economic scenarios and ensure loan agreements are structured to be relevant, supportive and competitive for the bank and our clients on an ongoing basis. You will assess, analyze and perform due diligence in support of all applications, approving credits within delegated limits and making recommendations on all others.

You will interface with TD's risk management group on a regular basis to ensure that your understanding of the Bank's risk models and pricing platforms allows you to effectively interpret and apply policy. Recognizing that your credibility and influence with them is based on the credit proposals that are crafted and presented by your team, you make the development of your Account Managers and Analysts risk evaluation skills your primary priority. Thus, you will establish yourself as a trusted business leader who is sought after for guidance regarding matters relating to the credit facilities that are supporting the clients business strategy. You support your Account Managers and Analysts efforts to meet their business development targets by recommending credit packaging alternatives and actively discuss credit solutions with clients as appropriate. You feel comfortable in a team based business environment where you are expected to balance risk management objectives with our ongoing business building targets.

Job RequirementsSuccessful MCC's have the proven ability to understand the economic and industry specific circumstances that will impact the long term viability of a commercial endeavour, leveraging them to structure solid credit agreements. Through their coaching expertise and experience as a mentor, they effectively impart their wisdom on a team of Account Managers and Analysts, developing these individuals to be better equipped to structure credit proposals and evaluate business risks.

In addition to your undergraduate/graduate degree in business or relevant professional designation, you will ideally have proven your suitability for this role with at least 2-3 years of experience in a risk management capacity. This would be supplemented by a foundation of assignments as an Analyst or Relationship Manager in a banking environment. You have well developed analytical, relationship management, credit structuring, coaching, and negotiation skills, and have a personal goal to expand them further in this role. Mobility is a valued asset as postings will be nationwide.

Your passion for enhancing the customer experience guarantees that we provide credit solutions that serve the best interests of both the bank and our clients.

Additional InformationThis position requires proficiency in a language other than French to support customers, employees or markets located outside the province of Quebec or who require services in a language other than FrenchCompany OverviewOur 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.

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A 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 and inclusive work environment so colleagues feel a sense of belonging and feel supported in their personal and professional growth. Through our focus on well-being, we know that we can help our colleagues thrive, contribute to our culture of care, and support better business outcomes, 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 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.

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Accommodation
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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.

We look forward to hearing from you!