Associate – Commercial National Accounts

Work Location:

Montréal, Quebec, Canada

Hours:

37.5

Line of Business:

Credit Management

Pay Details:

81 600 /$81,600 - 115 200 $/$115,200 CAD

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.

Job Description:

Department Overview:

The Commercial National Accounts (CNA) team provides dedicated relationship coverage to large commercial clients across all industry sectors. This client base is primarily designated by size of credit facilities being larger than $25 million and/or annual sales being greater than $150 million. It also encompasses all commercial clients with syndicated credit facilities.

The group consists of senior commercial banking professionals who combine specific industry knowledge and extensive deal structuring experience to offer a full suite of customized credit and cash management solutions to meet the complex needs of our clients.

Job Description:

The Associate, CNA role is the natural entry point into CNA for individuals with previous Commercial Banking experience. The Associate role is not designated to a specific portfolio, but rather provides support to all portfolios in the unit, allowing the Associate to gain a broad base of experience & skills necessary for future role progression at CNA. Specific job functions include:

• Provide credit underwriting support across all portfolios.            
• Contribute to growth of the unit by assisting in structuring competitive packages while maintaining a balanced view of risk and credit quality.
• Assess credit risk in compliance with applicable internal and external requirements (e.g. financial controls, risk policies) to increase profitability and enable business growth.
• Recommend credit applications to AVP and / or Director of Credit Execution.
• Assist with monitoring and control processes, including financial covenant tracking and internal bank tracking reports, to ensure the necessary processes are completed in a timely manner.

Job Requirements:

Qualifications/Skills/Experience:

• Previous experience in Commercial Banking as an Associate.
• Experience with large accounts will definitely be advantageous.
• Very solid credit, analytical and problem-solving skills.
• Financial modeling experience would be an asset.
• Excellent communication and organizational skills.
• Strong team player, with an ability to work both in a team environment and independently.
• The ability to engage in active dialogue with internal and external stakeholders (Unit VP, clients, legal counsel etc.).
• Ability to travel as required.

 Specific Educational Requirements/Accreditations:

• An undergraduate or graduate degree in Business, Economics, Finance or other quantitative discipline.  MBA or CFA would be an asset.

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.

We look forward to hearing from you!

Language Requirement (Quebec only):

Ce poste n’exige pas la maîtrise d’une langue autre que le français.