TD senior credit manager leading commercial credit teams, complex portfolios, and risk decisions. Driving customer growth, compliance, and colleague development across Saskatchewan.
Responsibilities
Lead, guide, coach, and develop a team of Credit Analysts
Oversee the overall credit portfolio and ensure structured deals meet risk policies
Structure and package competitive credit solutions and complex deals
Drive customer and partner experience targets and profitable business growth
Resolve customer operational and credit issues and escalate significant risk matters
Develop relationships with internal and external partners and Centres of Influence
Assess credit applications and ensure high-quality risk assessment, credit structure, due diligence, and documentation
Review and approve credits within delegated limits and make recommendations on other applications
Monitor and control the portfolio in accordance with approved guidelines and operating procedures
Implement TD's credit and operational risk management strategy
Develop business plans, growth strategies, team targets, and long-term priorities
Build, retain, recruit, and develop a diverse, engaged, high-performing team
Foster colleague development, continuous learning, inclusion, collaboration, and psychological safety
Report generally to the Unit Leader and act as a strategic partner on portfolio management and profitability
Requirements
Undergraduate/Graduate degree and/or 10+ years of relevant experience
Credit management experience for moderate to highly complex commercial accounts
Knowledge of credit structuring, pricing, risk assessment, due diligence, and credit applications
Knowledge of TD risk management policies, credit appetite, regulatory and compliance guidelines
Knowledge of market, industry, and broader economic factors
Ability to oversee commercial credit analysts and customer service officers
Ability to manage portfolios, credit applications, delegated approvals, and operational risk
Ability to develop business plans, growth strategies, and long-term plans
Ability to manage employees in compliance with human resources policies and procedures
Ability to work in alignment with applicable provincial employment regulations
Benefits
Base salary and variable compensation
Health and well-being benefits
Savings and retirement programs
Paid time off
Banking benefits and discounts
Career development
Reward and recognition programs
Regular career, development, and performance conversations
Online learning platform
Mentoring programs
Training and onboarding sessions
Interview accommodations, including accessible meeting rooms and captioning for virtual interviews
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