Work Location:

Toronto, Ontario, Canada

Hours:

37.5

Line of Business:

Credit Management

Pay Details:

$96,900 - $136,800 CAD

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:

Department Overview:

The Commercial Mortgage Group (“CMG”) is an industry leader in the Canadian Commercial/ Multi-Unit Residential (MUR) mortgage market. CMG supports existing Business Banking / TD Securities / TD Canada Trust client base providing a commercial mortgage product that is competitive within the Canadian marketplace. Our goal is to deliver a commercial mortgage product at all times and in all market conditions, subject to assets, structure and other risk parameters being acceptable.

The CMG Commercial Senior Analyst (SA) reports to a, Associate Vice President (AVP) or a Manager Mortgage Credit (MMC) and the SA position level is differentiated by the complexity and size of portfolio relationships.

Job Description:

The CMG Commercial Senior Analyst is responsible for managing an assigned portfolio of Commercial mortgage (Retail/Office/Industrial….etc) customers primarily originated in a CBC or as a direct relationship. The SA demonstrates sound credit knowledge, Commercial mortgage product expertise and has analytical, negotiating, problem solving, multi-tasking and organizational skills. The SA focuses on risk management including in-depth mortgage analysis, deal structure, monitoring and control and overall portfolio management. Supporting growth objectives, the SA works closely with CMG Originators and CBC's, to underwrite new Commercial mortgages opportunities and maximize retention of existing client relationships. The SA is a Commercial mortgage product specialist and effectively communicates with customers, internal contacts and external referral sources.

Job Requirements:

The incumbent will be accountable for the following:

Support CMG business growth goals by assisting CMG Originators and CBC's in obtaining new business through structuring new deals and preparing competitive credit submissions in a timely manner.
Support CMG and individual retention goals by proactively managing term renewals and expanding opportunities with existing clients.
Contribute to CMG Economic Profit goals by supporting growth in new loan volumes and meeting retention and loan fee targets.
Assist with developing and implementing continuous process improvement to maximize results while ensuring effective risk assessment and management.

Other Qualifications/Skills/Experience:

The successful candidate will be a strategic thinker, motivated to achieve results in a high volume environment.
Strong organizational skills with the ability to successfully manage multiple key strategic initiatives simultaneously.
Successful candidates will be results-driven and possess excellent verbal and written communication skill.
A combination of Commercial Banking, credit risk management, operations and portfolio management skills would be considered assets.

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

Senior Credit Analyst, Commercial Mortgage Group

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Required Skills

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