Associate Manager Jobs in Alberta (NOW HIRING)

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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:

The Financial Restructuring Group ("FRG") within TD Canadian Commercial Banking is a center of excellence where the primary role is to actively manage a portfolio of higher risk and/or financially challenged borrowers. The Account Manager ("AM) works closely with the Commercial and Agricultural Banking Centers and with external professionals including Bank and Borrower Legal Counsel, Accountants/Monitors, Receivers and Trustees.

This career opportunity as an Account Manager, Associate role has been designed to allow you to develop & learn best practices before moving into an Account Manager role. As an Associate you will partner with a Commercial Banking Center team to learn TD's commercial lending and risk practices.

An Account Manager in FRG manages their own portfolio of higher risk relationships across Western Canada. The AM is responsible for structuring credits and addressing heightened risk scenarios. This includes completing the necessary due diligence, reviewing the structure of terms and conditions of credit, security and pricing to reflect the increased risk. It also includes writing ongoing credit reviews, assessing risk and presenting a recommendation that addresses Bank policies and procedures.

The Account Manager in FRG is an experienced and trusted advisor who, with the understanding of a client's operating environment, structures innovative solutions to meet the Borrower's unique liquidity and business needs.

Description:

This career opportunity also encompasses the following:

• Assist clients to restructure credit deals so that they remain both viable and long-term customers of the Bank. Protect the Bank's shareholders, where/when necessary, exit relationships and/or realize on assets to repay the Bank's exposure.
• Recommend and negotiate loan pricing/fees commensurate with the risk profile of the relationship.
• Ensure products and services operate in a compliant manner minimizing the regulatory compliance and operational risk to the Bank.
• Make sure credit risk is properly assessed by performing independent risk analysis and by rationalizing any exceptions to the policies and lending guidelines of the Bank.
• Develop creative solutions to minimize risk and when possible, provide support and flexibility to the client during the restructuring period.
• Protect the Bank's assets by managing/using adequate risk monitoring systems and processes and by evaluating each account's performance as it relates to the assessment and management of credit risk.
• Monitor and control the portfolio and provide feedback to the Manager Commercial Credit as appropriate.
• Understand the market and the industries within the portfolio to ensure value added service is provided to clients while mitigating risk to the Bank.
• Enhance the TD brand by participating in network events. Embrace and promote a positive environment that supports a diverse workplace.
• Actively participate in the performance management process including performance reviews, feedback and coaching sessions.
• Develop and maintain effective relationships with various professional firms

Job Requirements:

• An undergraduate or graduate degree in Business, Economics Finance or other quantitative discipline MBA or CFA would be an asset.
• Minimum 5 years' Commercial Account Management experience managing borrowers with over a million dollars in credit exposure, or you may have experience in another profession such as consulting that supports the needs of business and are looking for an opportunity to add value from a different perspective.
• You have well-developed financial business acumen analysis skills, solid relationship management skills and a proactive approach to building and fostering strong business relationships with our customers and internal partners.

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):