Senior Account Manager, Special Loans & Restructuring

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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 candidates 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

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 professional who enjoys complex problem solving negotiation and relationship management. You will manage a portfolio of higher-risk or impaired TDEF accounts develop practical restructuring and recovery strategies and work closely with internal partners and external professionals including legal counsel accountants/monitors receivers and trustees.

The successful candidate will bring sound judgment financial and collateral analysis strong communication skills and a client-respectful approach to difficult conversations. This role reports to the Senior Credit Manager Loan Resolution Group & Equipment Management Group.

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 TDs 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 Banks 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 clients 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

Bachelors 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 worlds 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 95000 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:
Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were 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 youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll 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 youre 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.

Were 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 youve got everything you need to succeed in your new role.

Interview Process
Well 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 youd 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):