Associate, Commercial National Accounts

3 months ago


Calgary, Canada TD Bank Full time

**Work Location**:
Canada

**Hours**:
37.5

**Line of Business**:
Credit Management

**Pay Details**:
**The Commercial National Accounts (C.N.A.) 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 larger than $25 million and/or annual sales being greater than $250 million. It also encompasses all commercial clients with syndicated credit facilities.**
**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.**

**This is an exciting entry level opportunity within the Commercial National Accounts group within Commercial Banking. You'll mentor with a team of experts that put together deals for clients with complex and diverse credit and deposit/cash management requirements.**

**Structure credit for assigned portfolios, with focus on assessing credit worthiness or risk of potential customers to drive profitable business growth while adhering to TD's credit risk policies. Based on industry knowledge, specialized credit acumen, and understanding of customer needs, Senior Credit Analysts are accountable for underwriting new credit requests, completing annual credit reviews, coordinating (or managing) draw requests, along with responsibilities for monitoring and controlling credit facilities.**

**CUSTOMER**
- **Structure and package competitive credit solutions in a timely manner to meet customer needs jointly with the Relationship Manager**:

- **Continually deliver exceptional service at every interaction and execute on plans to continuously improve the customer experience**:

- **Lead all aspects of credit analysis for an assigned portfolio**:

- **Utilize sales platform to build a robust understanding of our customers/ target needs, industries and markets**:

- **Be an expert on market, industry and broader economic factors**:

- **Identify and respond to changes in the business environment, establishing action plans to address customer issues and priorities**:

- **Assist the Relationship Manager in cross-selling the full range of products to existing and new customers, as applicable, to maximize revenue/profit and retention of relationships based on the risk profile of the customer ensuring appropriate credit is earned at all times**:

- **Actively refer to other business partners across TDBG and respond effectively to reciprocal referrals.**

**SHAREHOLDER**
- **Assess complex credit risk in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets) to increase profitability and enable business growth**:

- **Develop / implement strategies to proactively promote products, sales, services and banking capabilities**:

- **Contribute to Operational Excellence business objectives and identify, suggest and actively participate in process improvement opportunities**:

- **Complete business processes / procedures as well as monitoring and control activities in a timely and accurate manner**:

- **Provide guidance, assistance and direction to others**:

- **Protect the interests of the organization - identify and manage risks, and escalate non-standard, high risk transactions / activities as necessary**:

- **Actively manage relationships within and across various business lines/ corporate and/or control functions and ensure alignment with enterprise and/or regulatory requirements**:

- **Ensure necessary due diligence to support the accuracy of all customer transactions / activities**:

- **Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts**:

- **Assume responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct**

**EMPLOYEE / TEAM**
- **Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest**:

- **Provide thought leadership and/ or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business unit**:

- **Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques**:

- **Participate in personal performance management and development activities, including cross training within own team**:

- **Keep others informed and up to date about the status / progress of new requests and/or annual reviews and / or all relevant or useful information related to day-to-day activities**:

- **Contribute to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leve



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