Work Location:

Toronto, Ontario, Canada

Hours:

37.5

Line of Business:

Personal & Commercial Banking

Pay Details:

$108,800 - $163,200 CAD

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:

Department Overview:

The Financial Restructuring Group (FRG) is a specialized team within Business Banking, focused on managing high-risk commercial lending relationships across Canada. FRG serves as the center of excellence for handling complex risk situations, corporate debt restructuring, and insolvency.

 

The Commercial National Accounts (CNA) team within FRG manages the largest high-risk clients nationally, including both bilateral and syndicated loan facilities. The team collaborates closely with originating offices to maintain client relationships and manage risk.

 

FRG Mandate:

·  Restructure and retain quality commercial clients for TD.

·  Share expertise and provide guidance to originating offices on managing high-risk situations.

·  Support Business Banking profitability by maximizing loan recovery, minimizing loan losses, and pricing loans appropriately for risk.

 

Key Role Responsibilities:

·  Manage a portfolio of financially troubled companies, providing advice and restructuring their debt to help them remain viable, long-term TD clients.

·  Minimize loan losses and protect TD’s brand.

·  Oversee accounts with over $15 million in exposure, including complex cash flow loans and syndicated debt (where TD may be lead or participant).

·   Provide “shadow” coverage for designated accounts, acting as an internal advisor while the originating team retains ownership of the relationship.

·   Maintain a network of internal and external contacts, including Commercial Credit Risk Management, TD Securities, originating offices, and external professionals (lawyers, accountants, receivers, trustees).

 

People Management:

·   Directly manage Associate Directors and/or Commercial Service Officers.

·   Ensure credit submissions from Associate Directors are clear, concise, and compliant with TD policies and standards.

·   Responsible for developing and supporting direct reports.

 

Additional Accountabilities:

·   Assess and manage risk by analyzing client situations and applying TD’s lending policies and guidelines.

·   Develop strategies and solutions to minimize risk and support clients during restructuring.

·   Serve as the primary contact for clients during the restructuring process.

·   Set loan pricing and fees based on risk profile and work required.

 

Qualifications:

· Over 7 years of combined commercial credit and origination experience, including lending to large companies with syndicated financing.

· Experience in relationship management, either in origination or restructuring, with strong listening, understanding, and challenging skills for partners and clients.

· Excellent written and verbal communication skills, with a focus on clarity and brevity.

· Credit adjudication experience and/or professional designations (CPA, CFA, MBA, CBV) are assets.

· Bilingualism (French and English) is an asset.

Aperçu du service:

Le Groupe de restructuration financière (GRF) est une équipe spécialisée au sein des Services bancaires aux entreprises qui se concentre sur la gestion des relations de crédit commercial à risque élevé à l’échelle du Canada. Le GRF est le centre d’excellence pour gérer les situations à risque complexe, les restructurations de dette d’entreprise et les situations d’insolvabilité.

 

L’équipe Comptes commerciaux nationaux (CCN), au sein du GRF, gère les clients à risque élevé les plus importants à l’échelle nationale, ce qui comprend les facilités de prêts bilatéraux et de prêts syndiqués. L’équipe collabore étroitement avec les bureaux d’origine pour maintenir les relations avec les clients et gérer le risque.

 

Mandat du GRF:

·  Restructurer et fidéliser des clients commerciaux de qualité pour la TD.

·  Partager son expertise et fournir des conseils aux bureaux d’origine sur la gestion des situations à risque élevé.

·  Favoriser la rentabilité des Services bancaires aux entreprises en maximisant le recouvrement des prêts, en réduisant au minimum les pertes sur prêts et en établissant une tarification appropriée des prêts en fonction du risque.

 

Rôles et responsabilités clés:

·  Gérer un portefeuille d’entreprises en difficulté financière, offrir des conseils et restructurer les dettes pour les aider à demeurer des clients viables à long terme de la TD.

·  Réduire au minimum les pertes sur prêts et protéger la marque TD.

·  Superviser les comptes présentant un risque de plus de 15 millions de dollars, notamment les prêts sur flux de trésorerie complexes et les dettes syndiquées (que la TD soit un prêteur principal ou participant).

·   Fournir une couverture « par observation » pour les comptes désignés, en agissant à titre de conseiller interne pendant que l’équipe d’origine demeure responsable de la relation.

·   Maintenir un réseau de personnes-ressources internes et externes qui comprend Gestion du risque de crédit commercial, Valeurs Mobilières TD, les bureaux d’origine et des professionnels externes (avocats, notaires, comptables, séquestres, fiduciaires, etc.).

 

Gestion du personnel:

·  Gérer directement les directeurs associés et les agents, Services bancaires commerciaux.

·  S’assurer que les demandes de crédit des directeurs associés sont claires, concises et conformes aux politiques et aux normes de la TD.

·  Prendre en charge le perfectionnement et le soutien des subordonnés.

 

Responsabilités supplémentaires:

·  Évaluer et gérer les risques en analysant la situation des clients et en appliquant les politiques et les lignes directrices de la TD en matière de crédit.

·  Élaborer des stratégies et des solutions pour réduire au minimum le risque et soutenir les clients pendant la restructuration.

·  Agir à titre de principale personne-ressource pour les clients pendant le processus de restructuration.

·  Établir la tarification et les frais du prêt en fonction du profil de risque et du travail requis.

 

Compétences requises:

·  Plus de sept ans d’expérience combinée en crédit commercial et en montage de demandes, notamment en crédit à de grandes entreprises avec financement syndiqué.

· Expérience en gestion des relations, que ce soit en montage de demandes ou en restructuration, avec de solides compétences d’écoute, de compréhension et d’examen critique pour les partenaires et les clients.

· Excellentes compétences en communication écrite et verbale, avec un accent sur la clarté et la concision.

·  Expérience en prise de décision de crédit et/ou titres professionnels (CPA, CFA, MBA, CBV), des atouts.

·  Bilinguisme (français et anglais), un atout.

                                                                                                  

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 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.

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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.
 

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