TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
Job Description:
The Associate Director, Financial Restructuring Group is responsible for monitoring and control, structuring credits and addressing perceived risk. This includes completing necessary due diligence, establishing pricing and terms of credit, and also producing ongoing credit reviews and risk ratings that reflect knowledge of Bank policies and procedures.
Working closely with the Director, the position encompasses the following tasks:
Work with clients and/or the Bank's advisors to restructure credit deals so that Borrowers may remain both viable and long term customers of the Bank. When not possible, exit relationships and/or realize on assets in order to repay loans in the interest of protecting the Bank's shareholders.
Develop creative solutions to minimize risk and, when possible, provide support and flexibility to the client during the restructuring period.
Lead all aspects of analysis for an assigned portfolio. Ensure credit risk is properly assessed by performing independent risk analysis and by applying the policies and lending guidelines of the Bank.
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Protect the Bank's assets by managing/using adequate risk monitoring systems and processes and by evaluating each Borrower's performance as it relates to the assessment and management of credit risk.
Monitor and control the portfolio and provide feedback to the Director on any accounts that are outside assigned limits and conditions.
Establish loan pricing/fees commensurate with the risk profile of the relationship.
Ensure products and services are sold and operate in a compliant manner minimizing the regulatory compliance and operational risk to the Bank.
Understand the market and the industries within the portfolio to ensure value added service is provided to clients while mitigating risk to the Bank.
Continually deliver exceptional service at every interaction and execute on plans to continuously improve the customer experience.
Develop and maintain effective relationships with various professional firms.
Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/points of interest.
Lead, support, mentor and provide guidance to your team and within your unit.
Actively participate in the performance management process including performance reviews, feedback and coaching sessions.
Seek knowledge both formal and informal in line with PDP objectives.
Job Requirements
Undergraduate degree in business or relevant professional designation, and/or a minimum of 5 years of experience as a Financial Analyst or Account Manager in a business banking environment.
Alternatively, experience in another profession that supports the needs of the business with an opportunity to add value from a different perspective.
Excellent analytical, judgement and decision-making skills in assessing and handling risk profile for team processes.
Proficient in using MS Office Suite, productivity tools and end-user software.
A dynamic professional with a positive approach and strong communications skills to liaise with cross functional teams and colleagues and external professionals.
Robust organizational skills with the ability to work in a demanding environment and handle multiple deadlines and priorities
Additional Information
This is a position with 4 days in the office
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/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.
Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental 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, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more
Additional Information:
We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.
Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.
Colleague Development
If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.
If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.
We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.
Training & Onboarding We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.
Interview Process We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.
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!
Language Requirement (Quebec only):
Sans Objet
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