Associate Manager Agriculture Credit/Senior Credit Analyst

Job title: Associate Manager Agriculture Credit/Senior Credit Analyst

Job description: Company Overview

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Department Overview

TD Commercial Banking provides financial solutions to North American businesses. Our broad range of products and services allows us to meet the needs of our clients in every sector, providing customized solutions to build a strategy that’s right for them now, and in the future. Our quest is to deliver a first-class business banking client experience and to be” The Better Business Bank” in North America. At TD, better business bankers have a strong background in business and finance as well as the specific products they are responsible to sell and service. They have keen insight into all their clients – their industry, products, finances, and markets. Better business bankers demonstrate good judgment in people, businesses and markets based on education, experience, “gut instincts” and “street smarts

Job Description

The Associate Manager Agriculture Credit/Senior Credit Analyst (MAC) is responsible for maximizing Business Results and maintaining controls for credit and operational risk of the Unit. The MAC has a split focus and will both lead a group of Customer Service Officers and/or Analysts to ensure credit procedures and loan processing is being followed and will be structuring credit for assigned portfolios and assessing credit worthiness of potential customers while adhering to TD’s credit risk policies. They will prepare credit reviews, approve draw requests and have responsibilities for monitoring and control for driving profitable business growth.
The position reports to the AVP Agriculture Credit with a dotted line to the DVP Man/Sask District and interfaces closely with Commercial Credit Risk Management. The position is accountable for achieving The Quest in addition to delivering a superior customer experience while driving profitable business growth.

Requirements

• Assist in executing business plan, goal setting, growth strategies and coaching for the Unit
• Grow Contribution to Profit (CTP) of the Unit’s Portfolio
• Meet or exceed annual sales, revenue, volume & new customer objectives for the Uni
• Build new relationships and deepen existing customer relationships by consistently following the Commercial Sales methodology. Coach AMAS to follow the CSM consistently in their customer interactions.
• Effectively use CARMA Sales and CARMA Credit – lead by example.
• Assist in providing coverage and growing your team’s shadow portfolio and document activity in CARMA.
• Actively refer to other business partners both within Business Banking and across TDBFG and respond effectively to reciprocal referrals.
• Be the expert on pricing models and execute consistently with Business Banking goals.
• Coach Agricultural Services team in meeting business development targets by recommending alternatives in structure or pricing to meet the needs of customers and to adhere to TD’s risk management policies and credit appetite.
• Work with Account Managers and District Managers Agriculture Services to ensure the aggressive collection of fees, credit and other income.
• Maintain full knowledge and understanding of the local market conditions and their impact on the portfolios for which they are accountable
• Ensure that all staff are knowledgeable of and operate within the applicable regulatory and compliance guidelines/policies & procedures (including but not limited to: AML, Privacy, Firewalls, Systems & Information Security, FCAC, etc) and ensure that all staff complete required compliance attestations/training within required timelines
• Be knowledgeable of and comply with Bank and Industry Codes of Conduct
• Assess all credit applications, ensuring they provide a high quality of risk assessment, credit structure, due diligence, and credit presentation
• Ensure appropriate balance between customer risk and pricing
• Approve credits within delegated limits and make recommendations on all others
• Ensure the overall portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures
• Interpret and apply TD’s risk management strategy (both credit and operational)
• Implement and operate systems to identify and mitigate operational risk issues, including acting as the Unit’s designated anti-money laundering officer
• Follow and ensure staff are knowledgeable of and comply with Bank and Industry Codes of Conduct
• Understand changing market conditions and remain knowledgeable of relevant industry issues.
• Partner with administrative support groups (CAS/CAC/Compliance, etc.) to ensure proper security is obtained and maintained.
• Ensure Account Managers use processes effectively to minimize time spent writing/monitoring credit while maintaining credit quality.
• Support and execute on credit transformation initiative

Additional Information

• Be actively involved in ensuring the unit meets or exceeds its CEI target. Deliver exceptional service at every interaction and execute on plans to continuously improve the customer experience.

• Resolve customer & credit issues to deliver a positive customer experience
• Champion use CARMA Credit and Sales to build a robust understanding of our customers/target’s needs, industries and markets.
• Constantly build knowledge of the market, customers, and broader economic factors
• Structure creative competitive solutions to meet customer needs
• Identify and respond to changes in the business environment, establishing action plans to address customer issues and priorities
• Actively promote TDBFG brand in your community – be the face of the bank
• “Deliver the Bank” by recommending, introducing and referring appropriate TDBFG Business Partners and Products

ACCOUNTABILITY TO TEAM (25%)

• Embrace and promote a positive work environment that supports a diverse workforce and a positive employee experience using available tools and support (i.e., TD Pulse, P3, and Professional Development Plan).
• Provide and ask for Coaching in line with Business Banking standards.
• Build and maintain productive relationships with business partners
• Support, mentor and provide guidance to your team.
• Coach Customer Service Officers and/or Analysts to provide balanced feedback, establish objectives and action plans for performance/personal development.

Hours

37.5

Inclusiveness

At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.

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