Dir. princ., gestion du crédit

Lieu de travail: Canada

Horaire: 37.5

Secteur d’activité: Gestion du crédit

Description du poste:

CUSTOMER

• Lead the execution and achievement of the business' customer / partner experience targets by coaching and modelling appropriate behaviour and executing on plans to continuously improve customer experience.
• Act as a consultant to the team in resolving customer operational and credit issues and when structuring new credit requests to deliver a positive customer experience.
• Structure and package competitive credit solutions in a timely manner to meet customer needs as required.
• Champion use of sales platform to build a robust understanding of our customers/ target needs, industries and markets.
• Lead and manage Credit Analysts in developing creative and competitive credit solutions that add value for our customers.
• Develop and maintain relationships with internal and external partners for the purpose of delivering optimal customer service.
• Be an expert on market, industry and broader economic factors.
• Develop and maintain Centre of Influence strategies and relationships.
• Identify and respond to changes in the business environment, establishing action plans to address customer issues and priorities.
• Primary point of contact for escalations for significant risk matters / exceptions.
• Contribute to the identification of customer/prospect referral opportunities to internal Bank partners that meet customer needs.
• Enhance the TD brand by participating in network events.
• May actively structure more complex deals in the unit or market together with the relationship management team.

SHAREHOLDER

• Contribute to the development and implementation of the business plan, goal setting, growth strategies and coaching for the Unit.
• Set service and control standards aligned to overall business objectives and oversee / monitor deliverables and results.
• Meet or exceed business targets for the Unit.
• Coach team in credit structuring and pricing to meet the needs of the customer and to adhere to TD's risk management policies and credit appetite.
• Assess all credit applications, ensuring they provide a high quality of risk assessment, credit structure, due diligence, and credit application.
• Review/approve credits within delegated limits and make recommendations on all others.
• Actively refer to other TD partners and respond effectively to reciprocal referrals.
• Ensure all staff are knowledgeable of and operate within the applicable regulatory and compliance guidelines/policies and procedures.
• Ensure the portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures.
• Apply TD's risk management strategy (credit and operational) and implement/operate systems to identify and mitigate operational risk issues, escalate non-standard high-risk transactions/ activities as necessary, and maintain a culture of risk management and control supported by effective processes in alignment with risk appetite.
• Ensure employees are knowledgeable and assume responsibility to minimize operational and regulatory risk by complying with Bank and Industry Code of Conduct.
• Understand changing market conditions, remain knowledgeable of relevant industry issues and coach the team to build collective business and technical acumen.

EMPLOYEE / TEAM

• Cultivate and model the Colleague Promise to support colleague growth, and a culture of care; make an impact at work and in our communities by leading with authenticity and supporting well being to represent TD's brand.
• Connect the alignment of colleague's contributions with the TD Shared Commitments.
• Build and retain an engaged and diverse team that embraces diversity of thought, creativity and curiosity; where every colleague and customer are valued, respected, and listened to; committed to a common goal and collaborate to move with speed and get things done.
• Demonstrate inclusive leadership by taking meaningful action with intention to support colleagues and customers across all dimensions of diversity, including those from underrepresented communities, being actively anti-racist, attracting and retaining diverse slate of candidates, nurturing mutual respect, inclusivity of thought and collaboration to drive successful results.
• Sustain, identify strong talent, recruit and develop a diverse talent pipeline of qualified workforce to innovate and maximize individual strengths to lead to a better business outcome.
• Enable colleague growth by encouraging colleague development to achieve career and business objectives; ensuring timely feedback, motivating appreciation and recognition to all colleagues.
• Enable a continuous learning culture by proactively seeking, listening to and actioning feedback from peers and from colleague listening opportunities to continuously improve the colleague experience and grow your personal leadership.
• Foster an environment that promotes sharing of knowledge, information, skills, and subject matter expertise among the team; ensure timely management and escalation of issues and create opportunities to collaborate with other functions and teams.
• Lead your team through change and create an environment where teams feel psychologically safe to challenge current practices by modeling resiliency and flexibility, communicating a compelling vision with clarity and empowering colleagues to drive innovation.
• Contributes to the development of business segment and/or enterprise functional strategic priorities within their operational area or field of specialty that drive results.
• Develops annual and/or long-term plans for own area that are aligned with enterprise-wide priorities, reinforcing a focus on results that align to One TD.
• Foster a high-performance culture by setting team targets and objectives, promoting and facilitating on-going feedback/coaching and conducting Quarterly Check-Ins for all colleagues to drive accountability and business results.
• Manage employees in compliance with all human resources policies, procedures and guidelines of conduct.

BREADTH & DEPTH

• Oversee, lead, and coach a team of commercial credit analysts and customer service officers while growing talent, developing skills and capabilities to achieve career goals and business results.
• Oversees credit management function for moderate to highly complex commercial accounts.
• Provides coaching, mentorship and guidance within area of expertise.
• Manages and oversees the overall discipline and strategy for the respective areas while aligning to the enterprise best practices.
• Strategic partner to leadership team on the management of the portfolio and unit profitability and accountability, with deep industry, external / internal, enterprise knowledge, recognizing and anticipating emerging trends and identifying operational efficiencies and opportunities with other business management / enterprise areas.
• Involved in key strategic discussions related to strategic roadmap and/or deliverables/ frameworks/ short to long term goals etc.
• Set operational team direction and collaborate with others to execute on unit goals.
• Focus on longer-range planning for business area (e.g. 12 months or greater).
• Generally, reports to the Unit Leader.

EXPERIENCE & EDUCATION

• Undergraduate/Graduate degree and/or 10+ years of relevant experience.