Associate, Financial Restructuring Group CNA

Lieu De Travail

Toronto, Ontario, Canada

37.5

Gestion du crédit

$81,600 - $115,200 CAD

La TD a à cœur d’offrir une rémunération juste et équitable à tous les collègues. Les occasions de croissance et le perfectionnement des compétences sont des caractéristiques essentielles de l’expérience collègue à la TD. Nos politiques et pratiques en matière de rémunération ont été conçues pour permettre aux collègues de progresser dans l’échelle salariale au fil du temps, à mesure qu’ils s’améliorent dans leurs fonctions.

Le salaire de base offert peut varier en fonction des compétences et de l’expérience du candidat, de ses connaissances professionnelles, de son emplacement géographique et d’autres besoins particuliers du secteur et de l’entreprise.

En tant que candidat, nous vous encourageons à poser des questions sur la rémunération et à avoir une conversation franche avec votre recruteur, qui pourra vous fournir des détails plus précis sur ce poste.

The Financial Restructuring Group, Commercial National Accounts (FRG CNA) within Business Banking is a center of excellence for the Bank where the primary role is assisting financially troubled clients in the CNA segment which consists of the larger commercial clients across all industry sectors. The Associate assists on the portfolio of FRG CNA clients across Canada. The position works closely with CNA, Mid-Market and Asset Based Lending product partners, and with external professionals including legal counsel, accountants/monitors, receivers and trustees.

The Associate reports to the Director, FRG with guidance also afforded by the Associate Director, FRG.

The Associate, Financial Restructuring Group is an exciting entry level opportunity within FRG responsible for monitoring and control, structuring credits and addressing perceived risk. This includes completing necessary due diligence, establishing pricing and terms of credit, and also producing ongoing credit reviews and risk ratings that reflect knowledge of Bank policies and procedures.

• Mentor with a team of experts that work with clients and/or the Bank's advisors to restructure credit deals so that Borrowers may remain both viable and long-term customers of the Bank. When not possible, exit relationships and/or realize on assets in order to repay loans in the interest of protecting the Bank's shareholders.
• Develop creative solutions to minimize risk and, when possible, provide support and flexibility to the client during the restructuring period.
• Assist in all aspects of the analysis for files assigned by either the Director or Associate Director. Ensure credit risk is properly assessed by performing independent risk analysis and by applying the policies and lending guidelines of the Bank.
• Protect the Bank's assets by managing/using adequate risk monitoring systems and processes and by evaluating each Borrower's performance as it relates to the assessment and management of credit risk.
• Monitor and control the portfolio and provide feedback to the Director on any accounts that are outside assigned limits and conditions.
• Assist in the establishment of loan pricing/fees commensurate with the risk profile of the relationship.
• Ensure products and services are sold and operate in a compliant manner minimizing the regulatory compliance and operational risk to the Bank.
• Understand the market and the industries within the portfolio to ensure value-add service is provided to clients while mitigating risk to the Bank.
• Continually deliver exceptional service at every interaction and execute on plans to continuously improve the customer experience.
• Participate as a member of the FRG team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/points of interest.
• Lead, support, mentor and provide guidance to your team and within your unit.
• Actively participate in the performance management process including performance reviews, feedback and coaching sessions.
• Seek knowledge both formal and informal in line with PDP objectives.