Senior Manager, Credit Management

TD•Calgary, AB

1d•Onsite

About The Position

This role involves leading a team of Credit Analysts, providing guidance, leadership, coaching, and development to ensure business results and professional/personal development objectives are achieved for the group. The Senior Manager is responsible for the overall credit portfolio, ensuring structured deals meet risk policies, and may also actively structure more complex deals. The position is accountable for delivering a superior customer experience while driving profitable business growth, in line with business strategy.

Requirements

Undergraduate/Graduate degree and/or 10+ years of relevant experience.

Responsibilities

Lead the execution and achievement of the business' customer/partner experience targets by coaching and modelling appropriate behaviour and executing on plans to continuously improve customer experience.
Act as a consultant to the team in resolving customer operational and credit issues and when structuring new credit requests to deliver a positive customer experience.
Structure and package competitive credit solutions in a timely manner to meet customer needs as required.
Champion use of sales platform to build a robust understanding of our customers/target needs, industries and markets.
Lead and manage Credit Analysts in developing creative and competitive credit solutions that add value for our customers.
Develop and maintain relationships with internal and external partners for the purpose of delivering optimal customer service.
Be an expert on market, industry and broader economic factors.
Develop and maintain Centre of Influence strategies and relationships.
Identify and respond to changes in the business environment, establishing action plans to address customer issues and priorities.
Primary point of contact for escalations for significant risk matters/exceptions.
Contribute to the identification of customer/prospect referral opportunities to internal Bank partners that meet customer needs.
Enhance the TD brand by participating in network events.
May actively structure more complex deals in the unit or market together with the relationship management team.
Contribute to the development and implementation of the business plan, goal setting, growth strategies and coaching for the Unit.
Set service and control standards aligned to overall business objectives and oversee/monitor deliverables and results.
Meet or exceed business targets for the Unit.
Coach team in credit structuring and pricing to meet the needs of the customer and to adhere to TD's risk management policies and credit appetite.
Assess all credit applications, ensuring they provide a high quality of risk assessment, credit structure, due diligence, and credit application.
Review/approve credits within delegated limits and make recommendations on all others.
Actively refer to other TD partners and respond effectively to reciprocal referrals.
Ensure all staff are knowledgeable of and operate within the applicable regulatory and compliance guidelines/policies and procedures.
Ensure the portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures.
Apply TD's risk management strategy (credit and operational) and implement/operate systems to identify and mitigate operational risk issues, escalate non-standard high-risk transactions/activities as necessary, and maintain a culture of risk management and control supported by effective processes in alignment with risk appetite.
Ensure employees are knowledgeable and assume responsibility to minimize operational and regulatory risk by complying with Bank and Industry Code of Conduct.
Understand changing market conditions, remain knowledgeable of relevant industry issues and coach the team to build collective business and technical acumen.
Cultivate and model the Colleague Promise to support colleague growth, and a culture of care; make an impact at work and in our communities by leading with authenticity and supporting well being to represent TD's brand.
Connect the alignment of colleague's contributions with the TD Shared Commitments.
Build and retain an engaged and diverse team that embraces diversity of thought, creativity and curiosity; where every colleague and customer are valued, respected, and listened to; committed to a common goal and collaborate to move with speed and get things done.
Demonstrate inclusive leadership by taking meaningful action with intention to support colleagues and customers across all dimensions of diversity, including those from underrepresented communities, being actively anti-racist, attracting and retaining diverse slate of candidates, nurturing mutual respect, inclusivity of thought and collaboration to drive successful results.
Sustain, identify strong talent, recruit and develop a diverse talent pipeline of qualified workforce to innovate and maximize individual strengths to lead to a better business outcome.
Enable colleague growth by encouraging colleague development to achieve career and business objectives; ensuring timely feedback, motivating appreciation and recognition to all colleagues.
Enable a continuous learning culture by proactively seeking, listening to and actioning feedback from peers and from colleague listening opportunities to continuously improve the colleague experience and grow your personal leadership.
Foster an environment that promotes sharing of knowledge, information, skills, and subject matter expertise among the team; ensure timely management and escalation of issues and create opportunities to collaborate with other functions and teams.
Lead your team through change and create an environment where teams feel psychologically safe to challenge current practices by modeling resiliency and flexibility, communicating a compelling vision with clarity and empowering colleagues to drive innovation.
Contributes to the development of business segment and/or enterprise functional strategic priorities within their operational area or field of specialty that drive results.
Develops annual and/or long-term plans for own area that are aligned with enterprise-wide priorities, reinforcing a focus on results that align to One TD.
Foster a high-performance culture by setting team targets and objectives, promoting and facilitating on-going feedback/coaching and conducting Quarterly Check-Ins for all colleagues to drive accountability and business results.
Manage employees in compliance with all human resources policies, procedures and guidelines of conduct.
Oversee, lead, and coach a team of commercial credit analysts and customer service officers while growing talent, developing skills and capabilities to achieve career goals and business results.
Oversees credit management function for moderate to highly complex commercial accounts.
Provides coaching, mentorship and guidance within area of expertise.
Manages and oversees the overall discipline and strategy for the respective areas while aligning to the enterprise best practices.
Strategic partner to leadership team on the management of the portfolio and unit profitability and accountability, with deep industry, external / internal, enterprise knowledge, recognizing and anticipating emerging trends and identifying operational efficiencies and opportunities with other business management / enterprise areas.
Involved in key strategic discussions related to strategic roadmap and/or deliverables/frameworks/short to long term goals etc.
Set operational team direction and collaborate with others to execute on unit goals.
Focus on longer-range planning for business area (e.g. 12 months or greater).