Work LocationBurlington, Ontario, CanadaHours37.5Line Of BusinessCredit ManagementPay Details96,900 CAD – 136,800 CADTD 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.Job DescriptionThis is an Associate Director, Credit role on the TD Equipment Finance (TDEF) team based in either Burlington, ON, or Montreal, QC. The position is responsible for preparing credit reviews, approving draw requests, and monitoring and controlling within the TDEF portfolio. The Associate Director focuses on structuring competitive financing solutions while maintaining credit quality, working on an assigned portfolio of direct dealing clients together with various Sales Account Executives and Account Managers to grow the portfolio, add new clients and meet speed to market expectations.The portfolio includes large mid‑market and corporate borrowers, often with complex, multi‑jurisdictional needs. The role collaborates closely with Commercial National Accounts (CNA), TD Securities (TDS), TDEF’s third‑party syndication partners, and sales teams across Canada. The role requires the ability to underwrite complex transactions and structures in various industries such as transportation, construction, oil & gas, mining, telecom, manufacturing, etc.The Associate Director is expected to build strong working relationships with internal partners including Commercial Credit Risk Management, Credit Risk Policy, and Credit Product Group.CUSTOMERContinually deliver exceptional service at every interaction and execute on plans to continuously improve the customer experienceLead all aspects of credit analysis for an assigned portfolioBe an expert on market, industry and broader economic factorsIdentify and respond to changes in the business workplace, establishing action plans to address customer issues and prioritiesDevelop strong relationships with internal /external business partners and use these networks to provide specialized subject matter expertise and proactively manage customer relationships, including contributing to the identification and effective facilitation of reciprocal referralsSHAREHOLDERAssess complex credit risk in compliance with applicable internal and external requirements to increase profitability and enable business growthContribute to Operational Excellence business objectives and identify,



suggest and actively participate in process improvement opportunitiesComplete business processes / procedures as well as monitoring and control activities in a timely and accurate mannerAcquire and apply expertise in the roleProvide guidance, assistance and direction to othersProtect the interests of the organization – identify and manage risks, and elevate non‑standard, high‑risk transactions / activities as necessaryActively manage relationships within and across various business lines / corporate and/or control functions and ensure alignment with enterprise and/or regulatory requirementsEnsure necessary due diligence to support the accuracy of all customer transactions / activitiesKeep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impactsAssume responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of ConductEMPLOYEE / TEAMParticipate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interestProvide thought leadership and/or industry knowledge for own area of expertise and participate in knowledge transfer within the team and business unitKeep current on emerging trends/ developments and grow knowledge of the business, related tools and techniquesParticipate in personal performance management and development activities, including cross training within own teamKeep others informed and up to date about the status / progress of new requests and/or annual reviews and / or all relevant or useful information related to day-to-day activitiesContribute to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practicesLead, motivate and develop relationships with internal and external business partners / stakeholders to develop productive working relationshipsContribute to a fair,



positive and equitable environment that supports a diverse workforceBREADTH & DEPTHExpert level professional role requiring substantial knowledge / expertise in a complex field and knowledge of broader related areasEnsuring advice and solutions provided within own area of expertise align with the Enterprise strategic priorities, including risk appetite, customer experienceCollaborate with cross-functional partners, acting as a subject matter expert in their field of specialtyInterpret internal/external business challenges and the industry environment, recommend courses of action and best practices to improve products, processes or servicesResolve or may lead others to solve complex problems; lead efforts or partnerwith others to develop new solutionsUse sophisticated analytical thought to exercise judgment and identify solutionsWork is guided by policies and industry standards/methodsCommunicate difficult concepts; convert information to compelling business context and advice; influence and gain alignment across increasingly senior stakeholdersWork independently with minimal management guidance and supervisionExperience & EducationUndergraduate degree and/or 7+ years of relevant experienceProfessional designation (CPA, CFA, MBA, etc.) is an assetExperience in credit underwriting for commercial banking (ideally in National Accounts) and/or relevant financial analysis experience (FP&A, corporate finance, etc.)Excellent analytical, judgement and decision-making skills in assessing and handling risk profile for team processesA dynamic professional with a positive approach and strong communications skills to liaise with cross-functional teams and colleaguesRobust organizational skills with the ability to work in a demanding environment and handle multiple deadlines and prioritiesBilingualism is an asset: English & FrenchLanguage Requirement (Quebec Only)Maîtrise d’une langue autre que le français pour offrir du soutien ou traiter avec les clients qui ont besoin de services et de soutien dans une langue autre que le français.BenefitsOur Total Rewards package includes a base salary, variable compensation, and several 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.TD offers a competitive benefits plan to help our colleagues thrive both at work and at home.#J-18808-Ljbffr

📌 Associate Director, Credit - Td Equipment Finance - C$96,900 - C$136,800 A Year (Winnipeg)
🏢 TD
📍 Winnipeg