Associate Director, Financial Sponsors Group, Commercial National Accounts

Associate Director, Financial Sponsors Group, Commercial National Accounts Location: Toronto, Ontario, Canada Hours: 37.5 per week Sector: Gestion du crédit Base Salary: $96,900 - $136,800 CAD Department Overview The Commercial National Accounts (CNA) team operates within TD Business Banking and provides dedicated relationship coverage to the larger commercial clients across all industry sectors. This client base is primarily designated by size of credit facilities being extended and/or complex cash management needs. It also encompasses all commercial clients with syndicated credit facilities (regardless of size). The group consists of senior 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. Within CNA, the Financial Sponsors Group (FSG) is a specialised team with expertise in cash‑flow lending to Canadian middle‑market businesses. The team focuses on covering private equity firms and providing financing to support their portfolio companies. The team works closely with the TD Securities team in the firm's overall coverage activities. Responsibilities Partner with other FSG team members and independently prepare and assist in presentations of financing proposals (structuring terms and conditions including security, covenants, pricing) to clients and prospective clients. Attend meetings with client management to assess clients’ financing needs. Be fully involved in credit submissions and associated analysis. Work with the deal team to complete comprehensive due diligence on new opportunities including business, industry, financial and commercial due diligence. Contribute to the growth of the unit by assisting in structuring competitive packages while maintaining a balanced view of risk and credit quality. Develop and maintain comprehensive financial models to evaluate cash‑flow lending scenarios. Conduct thorough financial analysis, including cash‑flow forecasting, valuation, and sensitivity analysis to support investments. Assess credit risk in compliance with applicable internal and external requirements (e.g., financial controls, risk policies) to increase profitability and enable business growth. Prepare draft recommendations on credit submissions and investment proposals to present to senior management. Assist with monitoring and control processes, including financial covenant tracking and internal bank tracking reports, to ensure the necessary processes are completed in a timely manner. Develop good relationships with internal stakeholders, external clients and general industry contacts to generate new referrals and business opportunities and maintain a current view of the market. The team coordinates closely with TD Securities for M&A advisory, equity and other debt capital markets expertise as required. Qualifications Previous experience in Commercial Banking with a focus on specialized senior lending areas including acquisition financings and loan syndication; preference for experience in private equity finance. Very solid credit, analytical and problem‑solving skills. Strong financial modeling and accounting skills would be an asset. Excellent written and verbal communication skills. Strong organizational skills with the ability to meet tight deadlines and demonstrate attention to detail. Strong team player, able to work both in a team environment and independently. The ability to engage in active dialogue with internal and external stakeholders (Unit VP, clients, legal counsel, etc.). Specific Educational Requirements / Accreditations Undergraduate or graduate degree in Business, Economics, Finance or other quantitative discipline. MBA, CFA, CBV or CPA would be an asset but not necessary. About TD TD is a global leader in the financial institutions sector. It is the fifth largest bank in North America by branch count. Each day we deliver a legendary client experience to more than 27 million households and businesses across Canada, the United States and around the world. Over 95,000 TD colleagues combine their skills, talent and creativity to serve the bank, its clients and the economies it supports. We are guided by our vision of being the best bank and our mission of enriching the lives of our clients, communities and colleagues. TD is deeply committed to leadership in client experience. We believe each colleague, regardless of sector, lives in front‑of‑the‑house work. As part of the evolution of our operations and strategy, we innovate to improve the client experience and create the capabilities that shape the future of banking services. Whether you have many years of banking experience or are just starting your career in financial services, we can help you realize your full potential. You will benefit from training programs, mentorship and leadership conversations that focus on professional and personal development to achieve your goals. Our growth as a business is aligned with your growth. #J-18808-Ljbffr