Business Banking Associate, Auto Finance

Work Location:
Toronto, Ontario, Canada

Hours:
37.5

Line of Business:
Personal & Commercial Banking

Pay Details:
69,700 - 98,400 CAD

This role is eligible for a discretionary variable compensation award that considers business and individual performance.

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:

TD Auto Finance (TDAF), a dynamic division within TD Business Banking, offers an exciting opportunity
to join a rapidly growing business that is transforming the automotive banking landscape in Canada. With
Automotive Banking Centres strategically located in Toronto, Calgary, and Montreal, our team is led by
regional Market Leaders and dedicated to delivering comprehensive financing and cash management
solutions to clients in the automotive dealership industry.

The TDAF Commercial team is comprised of three core pillars: Commercial Sales, Commercial Credit,
and Commercial Operations. Together, these pillars deliver end-to-end solutions that address the unique
needs of auto dealers across the country. Credit exposure within the portfolio spans real estate and
acquisition financing, operating credit, floor plan financing, lease lines, and equipment financing.

The Commercial Sales team manages existing relationships and is charged with business development,
the Commercial Credit teams are responsible for credit analysis and monitoring, credit underwriting, and
ensuring risks are promptly identified are appropriately managed.

TDAF has a bold vision to become Canada's #1 auto lender and joining the TDAF team means becoming
part of a forward thinking, high performing team that is redefining the automotive banking and setting new

standards of excellence in Canada's automotive industry.

Job Description:

The Associate Program offers focused learning in the areas of financial analysis, relationship
management, risk management, and auto industry specialization. The Associate, TD Auto Finance role
will work directly with credit and relationship team members of TD Auto to assist with:
Underwriting of credit applications for new and existing TD Auto relationships and helping
to identify cross-selling opportunities

• Assist with on-going credit monitoring for existing clients through covenant testing, trend
• and inventory analysis, and assessment of any emerging risks
• Supporting new and existing clients through a high level of customer service by providing
• solutions and problem resolution
• Participating in client visits/meetings with members of the TD Auto relationship team

This skillset learned in the Associate Program will give you the capability to work with a variety of
dealership clients of TD Auto Finance as they strive to successfully meet their individual and financial
goals.

Training & Placement:

The Associate Program offers a comprehensive training program working in a live business unit.
supporting Relationship Managers throughout the country.
Once training is complete, Associates graduate to become Analysts and then can move onto sales or
more senior analytical roles in consultation with the management team.

• 8-10 month hands-on training program in the Toronto Auto Banking Centre
• Classroom based training sessions spanned over the program
• Self-serve learning map (online training, webinars, tools, resources)
• Completion of Commercial Lending on-line learning (Moody's program)

What you will learn:

Financial health and credit analysis for the automotive dealership industry including real
estate, acquisition, and inventory financing, etc.

• How to bring the entire Bank to the client with a holistic approach to address their needs
• including cash management, F/X, hedging, etc.
• Portfolio monitoring as per the Bank's risk management policies, processes and appetite

Minimum requirements:

• Business Degree (HBBA, BComm or MBA), other undergraduate degree
• Financial statement acumen and strong analytical skills (will be assessed during the interview process) - prior financial modeling experience considered a strong asset
• Strong communications and organizational skills with the ability to multi-task and adapt to change in a dynamic fast-paced environment
• Ability to work both independently and in a team environment
• A high-energy individual who can be detail oriented and exercise initiatives with minimal direction
• Proficient in using Windows and MS Office Suite (Word, Excel, PowerPoint and Outlook)

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 to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental 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, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more

Additional Information:
We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

Colleague Development

If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.

If you're passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.

We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

Training & Onboarding
We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.

Interview Process
We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

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!

Language Requirement (Quebec only):
Sans Objet