Commercial Credit Mgr II - Regional Banking

About the role

The Commercial Credit Manager is responsible for ensuring quality underwriting, compliance, and credit monitoring within an assigned portfolio, supporting new business development while adhering to TD Bank Group’s risk appetite.

Responsibilities

• Ensures all staff are knowledgeable of and operate within the applicable regulatory and compliance guidelines/policies & procedures (including but not limited to: AML, Privacy, Firewalls, Systems & Information Security, FCAC, etc)
• Maintains and monitors the credit portfolio, ensuring it adheres to and is administered within approved guidelines and in line with established operating policies and procedures
• Manages credit applications, ensuring they provide a high-quality risk assessment, credit structure analysis, due diligence, and credit presentation
• Manages Credit Analysts in creating preliminary spreads, cash flow, BRR, and term sheets used in the decision to move forward with potential clients
• Ensures appropriate balance between customer risk and pricing
• Manages aspects of the customer relationship, including reviewing reports and delinquencies, signing off on covenant compliance forms, and assisting in developing strategies if failures occur
• Manages all credit applications, ensuring they provide a high quality of risk assessment, credit structure analysis, due diligence, and credit presentation
• Manages a subset of credit analysts within a market, where teams are large enough to warrant the position
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships
• Interprets and applies TD’s risk management strategy (both credit and operational)
• Manages the customer relationship, including reviewing reports and delinquencies, signing off on covenant compliance forms, and assisting in developing strategies if failures occur
• Ensures the overall portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures
• Ensures the credit analyst team is knowledgeable of and operates within the applicable regulatory and compliance guidelines/policies & procedures (including but not limited to: AML, Privacy, Firewalls, Systems & Information Security, FCAC, etc)
• Ensures all staff complete required compliance attestations/training within required timelines
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market
• Manages the credit underwriting and credit administration functions within a Regional Market or Middle Market