Avp, Private Banking Credit Solutions

1 week ago

Toronto, Canada TD Bank Full time

Work Location:
Toronto, Ontario, Canada

Hours:
37.5

Line of Business:
TD Wealth

Pay Details:
**Job Description**:
Associate Vice President Profile:
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 superior 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

Department / Position Overview:
The AVP, Private Banking Credit Solutions is responsible for the business development and credit and operational risk oversight of the PB Credit Solutions Group (CSG). This team manages complex credit products and services provided to HNW and UHNW personal clients within Private Banking and other areas of TD including Commercial Banking and TD Securities. The CSG group consists of credit professionals who combine their in-depth knowledge and extensive deal structuring experience to offer a full suite of customized credit and cash management solutions to meet the complex needs of HNW/UHNW clients.

The position reports to the Vice President & Head of Private Banking and works closely with PWM Region Heads, Branch Managers, PIA and PIC PMs, PB Market Managers, Private Bankers, Commercial Unit Leaders, Wealth and Retail Risk Management, Wealth and Retail Governance and Control partners on a frequent basis. This leadership position is accountable for enabling sustainable credit product growth within TD's Risk Appetite in addition to delivering a superior client and partner experience on complex credit structures.

CSG has two mandates:

- Business Development and Risk Management of complex credit structures on personal HNW and UHNW clients. This is achieved via joint client relationship management with PWM partners in PB, PIA and PIC. CSG manages risk by underwriting new credit deals and completing regular risk reviews on existing credit deals and working with partners in Wealth Credit Risk to manage risk. The team also educates and drives awareness of complex credit products to the partners and requires highly skilled individuals who understand bespoke loan structuring, financial statement analysis and possess exceptional stakeholder management skills.
- Underwriting, oversight and management of Private Banking credit products in RESL, Personal Lending and Credit Cards via Regional Credit Managers (RCMs) and Credit Analysts (CAs) located in PWM markets and PB Direct across the country. This group works closely with Retail Risk Management to help structure credit deals, provides coaching on credit submissions and oversees compliance requirements on credit processes and policies.

Job Accountabilities

General accountabilities of this role include but are not limited to the following:

- Lead strategic evolution of centre of excellence operating model to support business strategy and growth aspirations
- Partner with Private Banking National Office (PBNO) and other TD partners on product strategy to ensure we have a dynamic suite of credit products to serve the needs of HNW/UHNW clients and tools necessary to adapt and comply with the changing business and regulatory environments.
- Develop business strategy that balances business objectives with risk management strategies. Identify gaps in product suite, policy and develop strategies to address or mitigate these weaknesses.
- Partner with Private Bankers, PIA and PIC Advisors and liaise with Risk Management partners through the credit decision-making process.
- Manage and improve the ongoing quality and compliance of the credit portfolio including the new deal and annual review process
- Ensure all Monitoring and Control systems are in place and adhered to based on credit risk policy and Bank operating policies and procedures.
- Review and innovate processes, systems and procedures to improve outcomes and growth within the business.
- Ensure staff understand and comply with Bank and Industry Codes of Conduct.
- Maintain a high level of professionalism and contributes to a work environment that facilitates job satisfaction, personal development, and opportunities for advancement.

Job Requirements
- University degree in busin

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