Senior Account Manager, Special Loans & Restructuring

This role is eligible for a discretionary variable compensation award that considers business and individual performance. 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.

Department Overview TD Equipment Finance Canada (TDEF), within TD Commercial Banking, is a center of excellence focused on delivering equipment financing solutions to business clients across Canada. The Loan Resolution Group (LRG) is a specialized team supporting customers experiencing financial difficulty while protecting the Bank and maximizing recovery outcomes.

This Senior Account Manager role is a high-impact opportunity for an experienced commercial credit or equipment finance professional who enjoys complex problem solving, negotiation, and relationship management. You will manage a portfolio of higher-risk or impaired TDEF accounts, develop practical restructuring and recovery strategies, and work closely with internal partners and external professionals including legal counsel, accountants/monitors, receivers and trustees. The successful candidate will bring sound judgment, financial and collateral analysis, strong communication skills, and a client-respectful approach to difficult conversations. This role reports to the Senior Credit Manager, Loan Resolution Group & Equipment Management Group. • Preserve viable client relationships where possible while supporting Commercial Banking and TDEF portfolio objectives. • Improve economic outcomes by applying risk-based pricing, disciplined restructuring, and recovery strategies that maximize funds recovered. • Identify deterioration early, acting with urgency & assertiveness to reduce loss exposure and protect TD’s position. • Develop commercially reasonable, creative solutions including restructures, forbearance strategies, settlements, enforcement recommendations and recovery plans. • Manage third-party professional costs prudently and ensure external resources are used effectively. • Maintain accurate, timely portfolio information and workflow discipline using BBHub, EKIP, JIRA, Excel and other applicable systems. Credit & Operational Risk Expertise • Assess and recommend/adjudicate credit applications with clear risk analysis, appropriate structure, due diligence and concise credit presentation. • Apply TD credit policies, lending guidelines, operating procedures and risk appetite to higher-risk equipment finance situations. • Monitor assigned accounts comprehensively, including covenant performance, arrears, collateral position, legal/enforcement status and emerging industry risks. • Use independent judgment and financial analysis to determine whether turnaround, restructure, realization or exit is the appropriate path. • Operate in a compliant manner and complete all regulatory, operational risk, conduct and compliance requirements within required timelines. • Partner with Financial Restructuring Group (FRG), TDEF Credit, Commercial Banking, and other stakeholders to ensure alignment and timely decisions. • Share lessons learned and best practices to strengthen TDEF risk management, early-warning discipline and portfolio controls. Customer Relationships