Pay Details:

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Job Description:

The Financial Restructuring Group ("FRG") within TD Business Banking is a center of excellence in TD Bank where the primary role is actively managing a portfolio of higher risk and/or financially challenged borrowers. The position works closely with the Commercial and Agricultural Banking Centres and with external professionals including Bank and Borrower Legal Counsel, Accountants/Monitors, Receivers and Trustees.

An Account Manager III in FRG manages their own portfolio of higher risk relationships across Western Canada. The AM is responsible for structuring credits and addressing heightened risk scenarios. This includes completing the necessary due diligence, reviewing the structure of terms and conditions of credit, security and pricing to reflect the increased risk. It also includes writing ongoing credit reviews, assessing risk and presenting a recommendation that addresses Bank policies and procedures.

The Account Manager in FRG is an experienced and trusted advisor who with the understanding of a client's operating environment, structures innovative solutions to meet the Borrower's unique liquidity and business needs.

Job Description:

This career opportunity also encompasses the following:

• Assist clients to restructure credit deals so that they remain both viable and long-term customers of the Bank. Protect the Bank's shareholders, where/when necessary, exit relationships and/or realize on assets to repay the Bank's exposure.
• Recommend and negotiate loan pricing/fees commensurate with the risk profile of the relationship.
• Ensure products and services operate in a compliant manner minimizing the regulatory compliance and operational risk to the Bank.
• Make sure credit risk is properly assessed by performing independent risk analysis and by rationalizing any exceptions to the policies and lending guidelines of the Bank.
• Develop creative solutions to minimize risk and when possible, provide support and flexibility to the client during the restructuring period.
• Protect the Bank's assets by managing/using adequate risk monitoring systems and processes and by evaluating each account's performance as it relates to the assessment and management of credit risk.
• Monitor and control the portfolio and provide feedback to the Manager Commercial Credit on any accounts that are outside assigned limits and conditions.
• Understand the market and the industries within the portfolio to ensure value added service is provided to clients while mitigating risk to the Bank.
• Enhance the TD brand by participating in network events. Embrace and promote a positive environment that supports a diverse workplace.
• Actively participate in the performance management process including performance reviews, feedback and coaching sessions.
• Develop and maintain effective relationships with various professional firms

Job Requirements:

An undergraduate or graduate degree in Business, Economics Finance or other quantitative discipline MBA or CFA would be asset.

Minimum 5 years' Commercial Account Management experience managing borrowers with over a million dollars in credit exposure, or you may have experience in another profession such as consulting that supports the needs of business and are looking for an opportunity to add value from a different perspective.

You have well-developed financial business acumen analysis skills, solid relationship management skills and a proactive approach to building and fostering strong business relationships with our customers and internal partners.

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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed