Associate Director, Asset Based Lending, Commercial National Accounts

Job Description:

Department Overview:

TD Asset Based Lending (TDABL) is the asset based lending division within Commercial National Accounts (CNA) within the Commercial Bank. This dynamic, growing group provides dedicated relationship coverage to asset-based clients across the country with annual revenues generally ranging from $30 million to $2 billion and typical credit requirements in excess of $25,000,000. Credit relationships are complex and are comprised of both bilateral and syndicated transactions. The group consists of senior asset-based lending and commercial banking professionals who combine specific industry knowledge and extensive deal structuring experience to offer a full suite of customized credit and cash management solutions to meet the complex needs of our clients.

Job Description:

The Associate Director provides dedicated credit management support to a Director in the TDABL group. The Associate Director reports to a Director, Credit Execution (DCE) within the TDABL group. Key accountabilities include:

• Preparing credit applications and recommending credit decisions.
• Performing due diligence on assigned accounts and addressing identified trends.
• Reviewing and recommending changes relating to field exams, appraisals and third-party reports.
• Contributing to growth of the portfolio by structuring competitive packages while maintaining credit quality and pro-actively looking to expand client relationships.
• Actively managing monitoring and control processes for the portfolio to ensure the necessary processes are completed in a timely manner.
• Negotiating custom loan documentation in partnership with counsel (or with other Lenders in syndicated transactions)
• Developing industry policies with the Director and providing syndication expertise.

Job Requirements:

Qualifications/Skills/Experience:

• 3-5 years experience in Commercial Banking and preferably Asset Based Lending, in particular with complex credit structures.
• Very solid credit, analytical and problem-solving skills with financial modeling experience.
• Excellent communication and organizational skills.
• Commitment to being a strong team player, with an ability to work independently and manage competing deadlines.
• The ability to engage in active dialogue with internal and external stakeholders.
• Ability to travel as required.

Specific Educational Requirements/Accreditations:

• An undergraduate or graduate degree in Business, Economics, Finance or other quantitative discipline.

Aperçu du département :

Financement d'actifs TD est la division des prêts basés sur l'actif au sein du groupe Comptes Nationaux Commerciaux de la Banque TD. Ce groupe dynamique et en pleine croissance offre une couverture relationnelle dédiée à des clients à travers le pays avec des revenus annuels allant généralement de 30 millions de dollars à 2 milliards de dollars et des exigences de crédit typiques dépassant 25 000 000 de dollars. Les relations de crédit sont complexes et comprennent des transactions bilatérales et syndiquées. Le groupe est composé de professionnels seniors et des banquiers commerciaux qui combinent des connaissances spécifiques du secteur et une vaste expérience en matière de structuration de transactions pour offrir une suite complète de solutions personnalisées de gestion de crédit et de trésorerie pour répondre aux besoins complexes de nos clients.

Description de l'emploi:

Le (la) Directeur (rice) Associé(e ) fournit un soutien dédié à la gestion du crédit à un Directeur du groupe de Financement d'actifs TD. Le (la) Directeur (rice) Associé(e ) relève d'un Directeur, Exécution du Crédit. Les principales responsabilités comprennent :

• Préparer les demandes de crédit et recommander des décisions de crédit.

• Compléter la diligence raisonnable sur les comptes attribués et adresser les tendances identifiées.

• Examiner et recommander des changements relatifs aux audits sur le terrain, aux évaluations d'inventaires et aux rapports de tiers.

• Contribuer à la croissance du portefeuille en structurant des offres compétitives tout en maintenant la qualité du crédit et en cherchant de manière proactive à élargir les relations avec les clients.

• Gérer de manière proactive la surveillance et le contrôle du portefeuille afin d'assurer l'achèvement des processus en temps requis .

• Négocier des documents de prêt personnalisés en partenariat avec un conseiller juridique (ou avec d'autres prêteurs dans le cadre de transactions syndiquées).

• Élaborer des politiques de marché avec le directeur et fournir une expertise en matière de syndication.

Exigences du poste :

Qualifications/Compétences/Expérience :

• 3 à 5 ans d'expérience dans la banque commerciale et de préférence dans les prêts sur actifs, en particulier avec des structures de crédit complexes.

• Très solides compétences en matière de crédit, d'analyse et de résolution de problèmes avec une expérience en modélisation financière.

• Excellentes compétences en communication et en organisation.

• Engagement à être un bon joueur d'équipe, avec une capacité à travailler de manière indépendante tout en priorisant les délais.

• La capacité d'engager un dialogue actif avec les parties prenantes internes et externes.

• Capacité à voyager selon les besoins.

Exigences éducatives/accréditations spécifiques :

• Un diplôme de premier cycle ou d'études supérieures en commerce, économie, finance ou autre discipline quantitative.

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):
Maîtrise d'une langue autre que le français pour offrir du soutien ou traiter avec les clients qui ont besoin de services et de soutien dans une langue autre que le français.