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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in commercial credit management, including credit structuring, risk assessment, and compliance with regulatory guidelines. Proven ability to lead and develop high-performing teams while implementing strategic business plans and operational efficiencies.
Highest-signal resume keywords
Commercial Credit ManagementCredit StructuringRisk AssessmentTeam LeadershipRegulatory Compliance
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit ApplicationsCredit PricingDue DiligenceOperational Risk ManagementPortfolio ManagementBusiness Plan DevelopmentGrowth StrategiesCredit Risk ControlsMarket AnalysisCustomer Service Management
Soft Skills
CoachingRelationship BuildingCollaborationContinuous LearningPsychological Safety
Industry Keywords
Credit PortfolioEconomic FactorsRegulatory GuidelinesHuman Resources PoliciesDiversity and Inclusion
About the role
Key responsibilities & impact- Lead, guide, coach, and develop a team of Credit Analysts
- Oversee the overall credit portfolio and ensure structured deals meet risk policies
- Structure and package competitive credit solutions to meet customer needs
- Resolve customer operational and credit issues and handle escalations for significant risk matters
- Develop and maintain relationships with internal and external partners
- Analyze market, industry, and broader economic factors
- Develop Centre of Influence strategies and relationships
- Contribute to referral opportunities for internal Bank partners
- Participate in network events to enhance the TD brand
- Develop and implement business plans, growth strategies, and coaching plans for the Unit
- Set service and control standards and monitor deliverables and results
- Assess credit applications and review or approve credits within delegated limits
- Monitor and control the portfolio within approved guidelines and operating procedures
- Implement TD’s credit and operational risk management strategy
- Ensure regulatory and compliance requirements are followed
- Build and retain an engaged, diverse, and high-performing team
- Foster colleague development, continuous learning, collaboration, and psychological safety
- Develop strategic priorities and annual or long-term plans for the area
- Set team targets, conduct ongoing coaching, and complete Quarterly Check-Ins
- Manage employees in compliance with TD human resources policies and procedures
- Report generally to the Unit Leader
Requirements
What you’ll need- Undergraduate/Graduate degree and/or 10+ years of relevant experience
- Experience in commercial credit management and oversight of moderate to highly complex commercial accounts
- Knowledge of credit structuring, pricing, risk assessment, due diligence, and credit applications
- Ability to operate within regulatory and compliance guidelines, policies, and procedures
- Knowledge of credit and operational risk management strategies and controls
- Knowledge of relevant industry issues, market conditions, and economic factors
- Ability to manage and coach commercial credit analysts and customer service officers
- Ability to develop and implement business plans, growth strategies, and operational team objectives
- Ability to review and approve credits within delegated limits and make recommendations on other credits
- Ability to manage portfolios, profitability, accountability, and operational efficiencies
- Ability to recruit, develop, and retain diverse talent
- Ability to manage employees in compliance with human resources policies and procedures
- Must comply with applicable provincial employment regulations in Canada
Benefits
Comp & perks- Health and well-being benefits
- Savings and retirement programs
- Paid time off
- Banking benefits and discounts
- Career development
- Reward and recognition programs
- Regular career, development, and performance conversations with manager
- Online learning platform
- Mentoring programs
- Training and onboarding sessions
- Accessibility accommodations throughout the interview process