Field Examiner, Asset Based Lending

2 weeks ago

Toronto, Canada TD Bank Full time

**Work Location**:
Toronto, Ontario, Canada

**Hours**:
37.5

**Line of Business**:
Audit

**Pay Details**:
$65,600 - $98,400 CAD

**Overview of Role**

The Junior Field Examiner works as part of a team with the Relationship Managers, Senior Credit Analysts, Senior field examiners and Collateral Analysts in supporting a portfolio of customers in TD Asset Based Lending (“TDABL”). The Junior Field Examiner is responsible in performing collateral reviews (primarily A/R and inventory) for existing customers of TDABL. The Junior Field Examiner will assist the Senior Field Examiner on more complex surveys and field exams. This is a key position in helping manage the collateral risk on TDAF customers. The Junior Field Examiner reports to the Audit and Operations Manager.

**Shareholder**

Grow Economic Profit of the Portfolio (10%)
- Identify potential sales opportunities when dealing with customers and bring to the attention of the Relationship Manager.
- Efficient completion of prospect surveys to aid in the timely completion of credit submissions by Underwriters.
- Clearly identify collateral/audit issues as they arise on prospects and current customers; thus protecting the Bank from potential losses.

Manage Credit and Operational Risk - 55%
- Completion of field exam reports on a timely basis. Field exams should clearly highlight any collateral issues, be complete, internally consistent and reviewed prior to submission to Audit and Operations Manager. Field exam should be submitted to Audit and Operations Manager within 2 business days of completion of field work.
- Ensure understanding of deal structure (including any changes since last field exam; or proposed deal structure for a survey) and key areas to focus on; through discussions with Audit and Operations Manager, Relationship Managers and Senior Credit Analyst.
- Initial CSI set-up at survey date, which will help ensure prospect reports are available in a format readily useable by CSI.
- Liaise with Audit and Operations Manager/Relationship Managers/Senior Credit Analyst on field exam findings and to discuss treatment of material collateral issues or unusual reporting items as they arise.
- Follow & make effective use of all escalation protocols
- Be knowledgeable and comply with Bank and Industry Codes of Conduct.

**Customer**

Customer Relationship Development (15%)
- Recommend/structure most effective collateral borrowing base that will meet the customer’s needs while protecting the Bank’s collateral position.
- Develop positive working relationship with customers to make the field exam/survey process smooth and efficient.

**Team**

Leadership and People Development (20%)
- Be an integral part of the team by being an effective team player.
- Take responsibility for own developmental needs
- Provide guidance and direction to less experienced staff members (Auditors and/or Collateral Analysts).
- Embrace diversify and help the group achieve favourable Pulse ratings.

**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.

**Colleague Development**
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