Avp, Credit Management

5 months ago


Toronto, Canada TD Bank Full time

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

**Hours**:
37.5

**Line of Business**:
Credit Management

**Pay Details**:
**The AVP, Credit, Asset Based Lending, C.N.A. leads a team of Directors of Credit Execution Associate Directors, and Analysts. The role contributes to the growth of the portfolio by recommending credit structures to meet the needs of customers and conform to TD’s policies and Risk Appetite. This role is located in Toronto and while working closely with the VP Unit Leader, reports directly to the Vice President, Credit Management, Commercial National Accounts.**:
Key accountabilities of this role are:

- Take responsibility for and manage credit underwriting and credit portfolio oversight for the ABL team
- Recommend credits to the Vice President, CNA & or CCRM, ensuring a high quality of risk assessment, credit structure, due diligence and credit presentation.
- Ensure appropriate balance between customer risk and pricing.
- Ensure the overall portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines, and in line with Bank operating policies and procedures.
- Implement and operate systems to identify and mitigate operational risk issues.
- Ensure staff understand and comply with Bank and Industry Codes of Conduct. Strong attention to people management, ensuring there is robust mentoring and coaching within the team, and an ongoing focus on learning and development.
- Contribute to projects and initiatives within the team and CNA more broadly which seek to increase efficiencies, improve employee experience, and ensure our policies and procedures are up to date and remain relevant.
- Work closely with the VP Unit leader to ensure the broader success of the Unit.
- Maintain a high level of professionalism and contributes to a work environment that facilitates job satisfaction, personal development, and opportunities for advancement.

**Department Overview**:
The Commercial National Accounts (CNA) team provides dedicated relationship coverage to the larger commercial clients across all industry sectors. This client base is primarily designated by size of client 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.

Associate Vice Presidents (AVPs) at TD Bank Group contribute to the overall reputation of TD. As executives, AVPs help to set the ethical, organizational and performance standard for the teams they lead and exemplify how an effective performance and development culture functions day to day. An AVP is expected to guide his/her team, collaborating as appropriate with TD partners, to deliver excellent results in both the short and long term.

AVPs promote adherence to TDBG’s vision and purpose to be the better bank, and to enrich the lives of customers, communities and colleagues. As part of the general management of their function, AVPs are accountable to deliver against TD's five shared commitments:

- Think like a customer; provide legendary experiences and trusted advice
- Act like an owner; lead with integrity to drive business results and contribute to communities
- Execute with speed and impact; only take risks we can understand and manage
- Innovate with purpose; simplify the way we work
- Develop our colleagues; embrace diversity and respect one another

**Job Requirements**:

- Previous experience in Business Banking and Commercial Credit (or similar position) is required (min 10yrs experience) Previous experience in ABL &/or CNA is preferred.
- Strong people leader with demonstrated experience in leading high performing teams.
- History of making an impact, developing and executing on strategies and delivering superior results in both the short and long term.
- Demonstrated relationship building skills, with a superior ability to make things happen through the use of positive influence.
- Strong financial management skills
- Expertise in Commercial Credit, Risk Management and/or developing relationships in a market.
- Strong grasp of the Bank's monitoring and control and credit policies to ensure adherence to all policies within the team.
- Powerful communicator who engages colleagues, business partners, external stakeholders, and employees.
- Robust organizational skills with the ability to work in a fast paced environment and manage multiple deadlines and priorities.
- Strong customer service orientation.

**Education/Accreditation's**:

- Undergraduate or graduate degree in Business would be an asset

**Inclusiveness**:
At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated



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