TD Career Opportunities – Commercial Credit Manager

Job Description:

The Commercial Credit Manager (CCM) is responsible for ensuring quality underwriting, compliance and credit monitoring within an assigned portfolio, supporting new business development while applying credit risk policy and adhering to TDBG risk appetite. This job manages the credit underwriting and credit administration functions within a Regional Market or Middle Market. The key accountabilities of this role are credit understanding and approval, people management, development and coaching of the credit analysts, and ensuring continued coaching in credit skills and capabilities development and career development for analysts. The Commercial Credit Manager manages a subset of credit analysts within a market, where teams are large enough to warrant the position. The Commercial Credit Manager works closely with the Credit Officer to ensure consistency with the TD Bank Groups Risk Appetite Principles, including establishing the Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships.

Job Responsibilities:

• Have joint signature approval on credits within delegated limits and make recommendations on all others
• Ensures the overall portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures
• May lead a team of Analysts in monitoring loan covenants, loan delinquencies, and the annual review and renewal of existing credit relationships
• Implements and operates systems to identify and mitigate operational risk issues, including acting as the Unit’s designated anti-money laundering officer
• Interprets and applies TD’s risk management strategy (both credit and operational)
• Responsible for managing aspects of the customer relationship including, but not limited to, reviewing reports and delinquencies, sign off of covenant compliance forms and assists in developing strategy if failures occur, completing monthly monitoring
• Understands changing market conditions and remain knowledgeable of relevant industry issues
• Ensures appropriate balance between customer risk and pricing

Job Requirements:

• Solid interpersonal skills
• Strong credit underwriting and administration skills
• Solid understanding of value-add credit structuring in a commercial banking environment
• Customer focused
• Undergraduate degree in Accounting or Finance; MBA and MBA candidates preferred
• Minimum 5 years experience in related field
• Strong communication skills with understanding of business acumen
• Demonstrates ability to identify and mitigate risk
• Strong planning and organizational skills

Job Details:

Company: Toronto-Dominion Bank

Vacancy Type: Full Time

Job Location: Ft. Lauderdale, FL, US

Application Deadline: N/A

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