Senior Account Manager, Special Loans & Restructuring

TD•Montreal, QC

1d•CA$96,900 - CA$136,800•Onsite

About The Position

This Senior Account Manager role is a high-impact opportunity for an experienced commercial credit or equipment finance professional who enjoys complex problem solving, negotiation, and relationship management. You will manage a portfolio of higher-risk or impaired TDEF accounts, develop practical restructuring and recovery strategies, and work closely with internal partners and external professionals including legal counsel, accountants/monitors, receivers and trustees. The successful candidate will bring sound judgment, financial and collateral analysis, strong communication skills, and a client-respectful approach to difficult conversations. This role reports to the Senior Credit Manager, Loan Resolution Group & Equipment Management Group.

Requirements

Bachelor’s degree in Finance, Commerce, Business Administration or a related field; equivalent experience may be considered.
Minimum 5 years of progressive experience in Commercial Credit, Commercial Banking, Equipment Finance, Special Loans, Late Stage Collections, Restructuring or Workout.
Strong financial statement analysis, credit writing, negotiation, problem-solving and relationship management skills.
Bilingual French and English capability is required for supporting clients and partners across Canada.
Comfortable working with multiple systems and maintaining disciplined, audit-ready file documentation.

Nice To Haves

Experience with impaired loans, financial restructuring, insolvency proceedings, enforcement, recovery strategy or asset realization is a strong asset.
Sound knowledge of equipment finance products, collateral valuation, documentation and risk mitigation practices is preferred.

Responsibilities

Preserve viable client relationships where possible while supporting Commercial Banking and TDEF portfolio objectives.
Improve economic outcomes by applying risk-based pricing, disciplined restructuring, and recovery strategies that maximize funds recovered.
Identify deterioration early, acting with urgency & assertiveness to reduce loss exposure and protect TD’s position.
Develop commercially reasonable, creative solutions including restructures, forbearance strategies, settlements, enforcement recommendations and recovery plans.
Manage third-party professional costs prudently and ensure external resources are used effectively.
Maintain accurate, timely portfolio information and workflow discipline using BBHub, EKIP, JIRA, Excel and other applicable systems.
Assess and recommend/adjudicate credit applications with clear risk analysis, appropriate structure, due diligence and concise credit presentation.
Apply TD credit policies, lending guidelines, operating procedures and risk appetite to higher-risk equipment finance situations.
Monitor assigned accounts comprehensively, including covenant performance, arrears, collateral position, legal/enforcement status and emerging industry risks.
Use independent judgment and financial analysis to determine whether turnaround, restructure, realization or exit is the appropriate path.
Operate in a compliant manner and complete all regulatory, operational risk, conduct and compliance requirements within required timelines.
Partner with Financial Restructuring Group (FRG), TDEF Credit, Commercial Banking, and other stakeholders to ensure alignment and timely decisions.
Share lessons learned and best practices to strengthen TDEF risk management, early-warning discipline and portfolio controls.
Approach clients with professionalism, empathy and respect, while maintaining clear expectations and protecting the Bank’s interests.
Lead difficult conversations and negotiate practical repayment, restructuring or settlement solutions in a fair and commercially sound manner.
Deliver a consistent customer experience by communicating clearly, following through on commitments and resolving issues with urgency.
Develop a strong understanding of the client’s business, industry, equipment collateral and broader economic factors affecting repayment capacity.
Represent TDEF and TD professionally with customers, advisors, legal counsel, receivers, trustees and community/professional contacts.
Act as a trusted equipment finance subject matter expert and help position TDEF as a leading, relationship-focused equipment finance provider.
Contribute to a positive, inclusive and high-performing team culture where diverse perspectives are valued.
Build strong working relationships with TDEF partners, Commercial Banking, Credit, FRG, Operations and external professional firms.
Provide coaching, mentoring and guidance to colleagues on complex files, negotiation approach, credit analysis, documentation standards and recovery strategy.
Act as a resource and escalation point in areas of personal expertise, supporting consistent decisions and strong execution across the Unit.
Invest in ongoing learning to strengthen expertise in equipment finance, insolvency/restructuring practices, collateral values, industry trends and TD systems.