Business Banking Associate, TD Auto 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.

Business 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.

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 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 resolutions. 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 the Credit team and Relationship Managers throughout the country. Up to 12 months hands-on training to be provided in the Calgary office.  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.

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