Manager Commercial Credit, TD Auto Finance, Brossard

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Department Overview
TD Auto Finance is a dynamic division within TD. This is an exciting opportunity to join a rapidly growing business focused on providing a robust array of automotive financing options to meet our customers' needs as well as the needs of our dealer partners. In Canada, we also finance recreational and leisure vehicles, and serve the Prime and Non-Prime auto market.
In the goal to become Canada's #1 auto lender, we are over 900 people strong including an external sales team located coast to coast, as well as teams in credit adjudication, funding, inside sales, loan administration, customer service, collections and recovery, and our federated functions of risk management, technology solutions, finance & human resources. Our offices are located in Canada in Toronto, ON, Brossard, QC & Nanaimo, BC.
TD Auto Finance is a dynamic division within TD. This is an exciting opportunity to join a rapidly growing business focused on providing a robust array of automotive financing options to meet our customers' needs as well as the needs of our dealer partners. In Canada, we also finance recreational and leisure vehicles, and serve the Prime and Non-Prime auto market.
In the goal to become Canada's #1 auto lender, we are over 900 people strong including an external sales team located coast to coast, as well as teams in credit adjudication, funding, inside sales, loan administration, customer service, collections and recovery, and our federated functions of risk management, technology solutions, finance & human resources. Our offices are located in Canada in Toronto, ON, Brossard, QC & Nanaimo, BC.
Job Description
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 Requirements
Successful 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 client.Qualifications
Additional Information
Candidate must be fluently bilingual in English and FrenchInclusiveness
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.
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About TD Bank

The Toronto-Dominion Bank & its subsidiaries are collectively known as TD Bank Group (TD). TD is the sixth largest bank in North America by branches & serves approximately 22 million customers in a number of locations in key financial centres around the globe. Over 85,000 TD employees represent the strongest team in banking. Delivering legendary customer experiences is who we are & is part of being the Better Bank. Visit our Careers page to learn more about TD & why TD is a great place to work.

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