Associate Director, Commercial National Accounts, Project & Infrastructure Finance

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.

Department Overview: The Commercial National Accounts ("CNA") team operates within TD Canadian Commercial Banking and provides dedicated relationship coverage to the larger commercial clients across all industry sectors. This client base is primarily designated by size of credit facilities being extended and/or complex cash management needs. It also encompasses all commercial clients with syndicated credit facilities (regardless of size). The group consists of senior commercial banking professionals who combine specific industry knowledge and extensive deal structuring experience to offer a full suite of customized credit and cash management solutions to meet the complex needs of our clients.

Structure credit for assigned portfolios, with focus on assessing credit worthiness or risk of potential customers to drive profitable business growth while adhering to TD's credit risk policies. Based on industry knowledge, specialized credit acumen, and understanding of customer needs, Associate Directors are accountable for underwriting new credit requests, completing annual credit reviews, coordinating (or managing) draw requests, along with responsibilities for monitoring and controlling credit facilities. CUSTOMER Structure and package competitive credit solutions in a timely manner to meet customer needs jointly with the Director (Relationship Manager) Continually deliver exceptional service at every interaction and execute on plans to continuously improve the customer experience Lead all aspects of credit analysis for an assigned portfolio Utilize sales platform to build a robust understanding of our customers/ target needs, industries and markets Be an expert on market, industry and broader economic factors Identify and respond to changes in the business environment, establishing action plans to address customer issues and priorities Assist the Director (Relationship Manager) in cross-selling the full range of products to existing and new customers, as applicable, to maximize revenue/profit and retention of relationships based on the risk profile of the customer ensuring appropriate credit is earned at all times Develop strong relationships with internal /external business partners and use these networks to provide specialized subject matter expertise and proactively manage customer relationships, including contributing to the identification and effective facilitation of reciprocal referrals Actively refer to other business partners across TDBG and respond effectively to reciprocal referrals. SHAREHOLDER Assess complex credit risk in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets) to increase profitability and enable business growth Develop / implement strategies to proactively promote products, sales, services and banking capabilities Contribute to Operational Excellence business objectives and identify, suggest and actively participate in process improvement opportunities Complete business processes / procedures as well as monitoring and control