Director of Finance - Home Based

Personal & Commercial Banking

108800 - $163200 CAD

This role is temporarily eligible for a pay premium above the posted salary range that is reassessed annually. TD is committed to providing fair and equitable compensation opportunities to all colleagues. 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 Financial Restructuring Group (FRG) is a specialized team within Business Banking focused on managing high-risk commercial lending relationships across Canada. FRG serves as the center of excellence for handling complex risk situations corporate debt restructuring and insolvency.

The Commercial National Accounts (CNA) team within FRG manages the largest high-risk clients nationally including both bilateral and syndicated loan facilities. The team collaborates closely with originating offices to maintain client relationships and manage risk.

Restructure and retain quality commercial clients for TD.
Share expertise and provide guidance to originating offices on managing high-risk situations.
Support Business Banking profitability by maximizing loan recovery minimizing loan losses and pricing loans appropriately for risk.

Manage a portfolio of financially troubled companies providing advice and restructuring their debt to help them remain viable long-term TD clients.
Oversee accounts with over $15 million in exposure including complex cash flow loans and syndicated debt (where TD may be lead or participant).
Provide shadow coverage for designated accounts acting as an internal advisor while the originating team retains ownership of the relationship.
Maintain a network of internal and external contacts including Commercial Credit Risk Management TD Securities originating offices and external professionals (lawyers accountants receivers trustees).

Directly manage Associate Directors and/or Commercial Service Officers.
Ensure credit submissions from Associate Directors are clear concise and compliant with TD policies and standards.
Assess and manage risk by analyzing client situations and applying TDs lending policies and guidelines.
Develop strategies and solutions to minimize risk and support clients during restructuring.
Serve as the primary contact for clients during the restructuring process.
Set loan pricing and fees based on risk profile and work required.

Over 7 years of combined commercial credit and origination experience including lending to large companies with syndicated financing.
Credit adjudication experience and/or professional designations (CPA CFA MBA CBV) are assets.
Bilingualism (French and English) is an asset.

Le Groupe de restructuration financière (GRF) est une équipe spécialisée au sein des Services bancaires aux entreprises qui se concentre sur la gestion des relations de crédit commercial à risque élevé à léchelle du Canada. Léquipe collabore étroitement avec les bureaux dorigine pour maintenir les relations avec les clients et gérer le risque.

Restructurer et fidéliser des clients commerciaux de qualité pour la TD.
Partager son expertise et fournir des conseils aux bureaux dorigine sur la gestion des situations à risque élevé.
Superviser les comptes présentant un risque de plus de 15millions de dollars notamment les prêts sur flux de trésorerie complexes et les dettes syndiquées (que la TD soit un prêteur principal ou participant).
Maintenir un réseau de personnes-ressources internes et externes qui comprend Gestion du risque de crédit commercial Valeurs Mobilières TD les bureaux dorigine et des professionnels externes (avocats notaires comptables séquestres fiduciaires etc.).

Sassurer que les demandes de crédit des directeurs associés sont claires concises et conformes aux politiques et aux normes de la TD.
Évaluer et gérer les risques en analysant la situation des clients et en appliquant les politiques et les lignes directrices de la TD en matière de crédit.
Plus de sept ans dexpérience combinée en crédit commercial et en montage de demandes notamment en crédit à de grandes entreprises avec financement syndiqué.
Expérience en prise de décision de crédit et/ou titres professionnels (CPA CFA MBA CBV) des atouts.
Bilinguisme (français et anglais) un atout.

TD is one of the worlds leading global financial institutions and is the fifth largest bank in North America by branches/stores. 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 95000 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 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 youve 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 were here to support you towards your goals. 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. Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were committed to providing the support our colleagues need to thrive both at work and at home.

If youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll 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. Whether you have a passion for helping customers and want to expand your experience or you want to coach and inspire your colleagues there are many different career paths within our organization at TD and were committed to helping you identify opportunities that support your goals.

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

We do our best to communicate outcomes to all applicants by email or phone call.

Please let us know if youd 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.
Language Requirement (Quebec only):