Work Location: Montréal, Quebec, Canada Hours: 37.5 Line of Business: Credit Management Pay Details: 96 900 $/$96,900 - 136 800/$136,800 CAD

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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.

Position

This Senior Account Manager role is a high-impact opportunity for an experienced commercial credit or equipment finance skilled who enjoys complex problem solving, negotiation, and relationship management.

- 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

- Approach clients with professionalism, empathy and respect, while maintaining clear expectations and protecting the Bank’s interests.
- Lead difficult conversations and negotiate practical repayment, restructuring or settlement solutions in a fair and commercially sound manner.
- Deliver a consistent customer experience by communicating clearly, following through on commitments and resolving issues with urgency.
- Develop a strong understanding of the client’s business, industry, equipment collateral and broader economic factors affecting repayment capacity.
- Represent TDEF and TD professionally with customers, advisors, legal counsel, receivers, trustees and community/professional contacts.
- Act as a trusted equipment finance subject matter expert and help position TDEF as a leading, relationship-focused equipment finance provider.

Team Dynamic

- Contribute to a positive,



inclusive and high-performing team culture where diverse perspectives are valued.
- Build strong working relationships with TDEF partners, Commercial Banking, Credit, FRG, Operations and external professional firms.
- Provide coaching, mentoring and guidance to colleagues on complex files, negotiation approach, credit analysis, documentation standards and recovery strategy.
- Act as a resource and escalation point in areas of personal expertise, supporting consistent decisions and strong execution across the Unit.
- Invest in ongoing learning to strengthen expertise in equipment finance, insolvency/restructuring practices, collateral values, industry trends and TD systems.

Role Requirements

- Bachelor’s degree in Finance, Commerce, Business Administration or a related field; equivalent experience may be considered.
- Minimum 5 years of progressive experience in Commercial Credit, Commercial Banking, Equipment Finance, Special Loans, Late Stage Collections, Restructuring or Workout.
- Experience with impaired loans, financial restructuring, insolvency proceedings, enforcement, recovery strategy or asset realization is a strong asset.
- Strong financial statement analysis, credit writing, negotiation, problem-solving and relationship management skills.
- Sound knowledge of equipment finance products, collateral valuation, documentation and risk mitigation practices is preferred.
- Bilingual French and English capability is required for supporting clients and partners across Canada.
- Comfortable working with multiple systems and maintaining disciplined, audit-ready file documentation.

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.

Language 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.

Our Values

At TD we’re guided by our purpose to enrich the lives of our customers, communities and colleagues. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture.

Our Commitment to Diversity, Equity, and Inclusion

At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.

Helping to Make an Impact in Communities – TD Ready Commitment

TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities.

Learn more: Canada | US | Europe & Asia Pacific

📌 Senior Account Manager, Special Loans & Restructuring (Montreal)
🏢 TD Bank Group
📍 Montreal