National Manager, Credit Solutions Group

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.

OVERVIEW OF JOB The UHNW Advice & Credit Solutions Group is focused on helping to originate, create and implement complex structured financial solutions providing superior risk adjusted after-tax rewards for Ultra High Net Worth and High Net Worth individuals, families, and business leaders.  The department brings value in facilitating estate planning, business succession, divestitures, wealth transfers, private equity restructuring and capital reorganizations. The group's mandate is national in scope. The target market includes UHNW and HNW individuals and their families, successful business entrepreneurs and professionals. The group has direct accountability and responsibility to assist and educate Private Banking managers and their teams across the country in credit structures. The National Manager, Credit Solutions position reports to the National Director, Credit & Business Development. The position works in a team environment managing an assigned portfolio of accounts, supported by a Manager, Credit Solutions and a Client Service Associate. The position is responsible for assessing, structuring and underwriting new business, as well as managing the credit renewal process within the team and delivering legendary client experience. The position is the primary credit relationship contact, in which he/she is obliged to liaison with partners to respond and/or refer client requests/questions to the appropriate person. The position will collaborate in a deal team environment with UHNW, Wealth and Senior Private Banking Advisors. The position is responsible for the productivity of the team, ensuring there is a positive flow of workload, developmental capability and client experience. The ideal candidate requires sound knowledge of commercial and personal credit, Commercial Credit Risk Management (“CCRM”) procedures and principles, Wealth products and solutions, with comprehensive knowledge of bank administrative systems.  In addition, the ideal candidate should have working knowledge and experience involving the following areas: Credit Analysis Financial Modeling Intermediate accounting and finance. Risk management theory and practices. Financial Planning Investment and treasury products Operational process expertise Security documentation. Accreditation Requirements:   Post-Secondary degree, CSC and/or Financial Planning designation (CFP/PFP) FINANCIAL Maximize profitability based on volume growth, loan fees, pricing which includes the principles of Business Banking’s RAROC Model, and referrals to other Wealth Management partners across TD, through high quality client interactions on an existing book of business. Focus on achieving and supporting the group's (UHNW/HNW) financial targets. Contribute to developing solutions for new and existing clients based on in-depth understanding of client needs. Partner with and support the Regional Director, UHNW, in fulfilling all business opportunities and objectives. BUSINESS OPERATIONS The National Manager actively contributes to the credit structuring process, and is responsible for fulfilling the underwriting, funding and compliance review of