Vice President, Commercial Credit Risk Management


419635BR Job Category – Primary Work Location Employment Type Regular City Toronto Time Type Full Time Province/State Hours 37.5 Workplace Model Hybrid We’re committed to providing fair and equitable compensation to all our colleagues. As a candidate, we encourage you to have an open dialogue with your recruiter and ask compensation related questions, including pay details for this role. Department Overview At TD Bank we’re at the forefront of empowering innovation. We are building a specialized mandate in venture debt financing and technology lending, providing crucial support to cutting-edge businesses in their growth journeys.

Our commitment to excellence, industry expertise, and innovative solutions set us apart as a leader in the field. Are you a seasoned Executive Leader within Commercial Credit Risk, with a specialized passion for fueling the growth of technology-driven enterprises ?. Do you thrive in evaluating unique and dynamic credit transactions in the world of venture debt financing ?. If so, we have an exciting opportunity for you to join our team as a Vice President, Credit Risk Management, Commercial Credit.

Our teams within Commercial Credit Risk Management (CCRM) is responsible for the oversight of the commercial credit portfolio originated in the Commercial Banking Centres (CBC) and Commercial National Accounts. The Vice President – CCRM position will provide exposure to a wide range of credit underwriting situations supporting the Mid-Market segment within CBC units. The role will see exposure to different knowledge-based industries and companies of varying size and complexity inclusive of drafting policy with a grow to market approach for the early technology financing and venture debt financing. The Commercial Credit Risk Management experience will enhance the incumbent’s risk management/credit management skills including credit packaging, deal structuring and credit documentation.

This position will report to the Senior Vice President, Commercial Credit Risk Management. TD applies the “Three Lines of Defence” model to risk management as defined in the Enterprise Risk Framework. As a representative of the second line of defence, the VP assures the appropriate design, implementation and/or execution of the TD Risk Management framework. Furthermore, this position has the accountability and authority to identify and address or escalate issues that could prevent the reasonable assurance that risks are understood and managed within the Bank’s risk appetite.

This position reports to the Senior Vice President, Commercial Credit Risk Management. As the VP, Credit Risk Management, Commercial Credit, you’ll play a pivotal role in shaping the future of innovative businesses. Scope of responsibilities include: Act as an industry expert in technology, knowledge-based industries, venture debt. Provide industry update trends and market developments.

Assist in the definition of risk appetite for new business strategy pertaining to early technology financing market segment. Act as a valued partner to the Business Bank by providing timely and well-reasoned credit decisions. Ensure a solid understanding of the Business units and customer needs and work with the business to provide value added solutions to credit structures that meet the need of the customer and are in line with the Bank’s risk appetite. Ensure regulatory requirements are consistently met via accurate assessments the Borrower Risk Ratings, and Facility Risk Ratings.

Understand the impact of market and economic conditions that may affect borrowers industries and the overall portfolio under their responsibility. Consider how present policies, processes and methods might be affected by future developments and trends in the general economy. Ensure CCRM procedures are maintained. Oversee and assist with monthly and quarterly reports.

This position interfaces frequently with Commercial Banking Centres and Specialty Business Units including Commercial National Accounts, the Financial Restructuring Group as well as other corporate areas. Active participation on various working committees will form a component to the position. Job Requirements To excel in this role, you should bring: Specialization in knowledge-based industries, technology lending with a focus on venture debt financing. Skillful communicator and influencer to build relationships, advance decision making, and effect change over time Strong coach and developer of people with a demonstrated track record in talent management Ability to build for the future by attracting and developing the best people Ability to work with a pool of experts and ensure high levels of service even when the effort crosses organizational boundaries Thrives in a fast-paced environment, managing multiple deadlines and priorities Solid understanding of commercial credit honed through extensive experience including exposure to larger cashflow lending transactions and varied business models.

Knowledge of TD commercial lending guidelines and practices. Proven strong team player with demonstrated initiative and effectiveness in a coaching role Strong verbal/written communications skill set that includes well developed listening and negotiations skills. High degree of organizational awareness and sensitivity – strong ability to manage productive relationships with business partners and stakeholders at various levels. Demonstrated relationship building skills, with a superior ability to make things happen through positive influence.

Powerful communicator who engages colleagues, business partners, external stakeholders, and employees Customer centric approach and the ability to problem solve within the Bank’s credit risk appetite Company Overview Our Values At TD we’re guided by our purpose is to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture. Making Your Well-being a Priority A caring and supportive culture that promotes colleague well-being is core to who we are.

At TD, we focus on total well-being with extensive programs to help colleagues assess, manage, and improve their well-being across four core pillars — physical, financial, social and mental/emotional. In addition, we champion a safe, inclusive and supportive work environment to help colleagues feel a sense of belonging, and supported in their personal and professional growth. Through our focus on total well-being, we know that we can help our colleagues thrive, contribute to our culture of care, and support better business outcomes … because when colleagues feel their best, they’re more likely to do their best. Our Total Rewards Package Our Total Rewards package reflects the investment we make in our colleagues to help them, and their families achieve their 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 including medical, dental, vision & mental health coverage, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. How We Work At TD, we believe in-person connections fuel collaboration and collective creativity. Our workplace experience empowers colleagues to do great work side-by-side at TD locations, while offering flexibility to work remotely where it makes sense for the work and team. Our teams work in one of three workplace models: hybrid, onsite and primarily remote.

Wherever our colleagues are working, they’ll always have access to the TD community and experience our culture of care. 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. 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 a customer obsessed organization, and we are 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 Commitment to Diversity, Equity, and Inclusion At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.

How We’re Helping Make an Impact in Communities TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of $1 billion by 2030 in community giving four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities.

Accommodation Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process. We look forward to hearing from you J-18808-Ljbffr



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