Senior Counsel– Commercial Banking & Lending

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Hours:

Line of Business:

Pay Details:

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:

TD Legal

TD Legal is dedicated to providing industry-leading strategic legal advice and risk-calibrated counsel to all TD business segments and corporate functions. Collaborating with talented colleagues and partners in a variety of legal specializations members of TD Legal have the chance to develop their skills every day. From mentorship and training programs to leadership development we will help you realize your full potential and achieve your career goals.

Canadian Banking

Canadian Banking is comprised of TDs Canadian personal banking and business banking segments and is the engine of TD Bank representing over 35% of the banks revenues. Our dynamic talented and collegial team of legal professionals provide adviceabout a wide range of legal issues in Canadian are a results-driven high-performing team and in this role you will have the opportunity to support multiple business teams and stakeholders across the enterprise delivering strategy risk mitigation and legal guidance.

Role Overview & Key Responsibilities

The Senior Counsel Commercial Banking & Lending provides legal advice and manages legal risk in support of key business within TD Canadian Commercial Banking including Small Business Banking Commercial Banking National Accounts and other specialty banking teams that deliver financing and banking solutions to commercial clients across a broad range of industries. You will:

Provide legal advice and transactional support for complex commercial lending leasing and other structured financing transactions

Lead legal negotiations and draft or review a broad range of financing and security documentation including intercreditor and priority agreements security agreements postponement agreements shareholder agreements purchase agreements and other commercial contracts

Advise business and credit teams on secured lending matters including security structuring perfection priority and enforcement considerations across Canadian jurisdictions

Review assess and provide guidance on escalations from Commercial Banking Centres relating to deposit account matters cash management services and related operational or transactions issues

Deliver practical risk-based legal advice on complex matters while balancing legal regulatory operational and business considerations

Support strategic initiatives and internal projects with legal insight and leadership

Develop and maintain standard form documentation policies and procedures to support efficient and consistent business practices

Monitor legal and regulatory developments affecting commercial lending to ensure compliance will all relevant laws and regulations

Deliver training to business credit and operations partners on lending security and legal risk matters

Partner with product technology compliance and other risk and control functions to structure innovative solutions in a manner that balances client experience speed-to-market and regulatory compliance

Think innovatively about product development and enhancements services delivery and advice-giving

Be adaptable to change and comfortable navigating ambiguity

Simplify complex and novel legal problems into concepts that colleagues can understand

Identify issues and provide practical insight into risks to assist colleagues in making decisions

Build an understanding of colleagues roles and accountabilities to recognize opportunities to use legal expertise to contribute to business solutions and enable business strategy

Mentor and provide leadership and guidance to other legal team members on emerging product-related issues and best practices

Anticipate the information needs of business partners

Establish systematic approaches to legal advice and communication

Deliver difficult messages without jeopardizing relationships

Escalate issues as appropriate

Core Accountabilities

Senior specialist role with principal accountability in the areas of strategic and tactical advice counsel influence relationships and oversight development of others and special projects

Recognized as a subject matter expert with significant in-depth and/or breadth of expertise in a complex field and knowledge of broader related areas

Key relationships are management and senior management

Lead in complex sensitive and ambiguous situations

Give advice and support to other counsel

Integrate legal and business needs to identify the need for appropriate policies and procedures within own area

Strong relationship management capabilities

Engage stakeholders and apply influence to drive strategic initiatives planning and/or integrating executional activities

Anticipate and frame emerging business trends and risk issues in the broader organizational context as a basis for recommending large-scale product technical functional or operations improvements

Serve as a source of expert advice to senior management in field of specialty

Provide leadership guidance make recommendations and collaborate with business to ensure solutions meet the business needs on a complex project or program

Qualifications

Undergraduate degree or relevant professional certifications designations or equivalent required (JD/LLB)

Admission to the Bar in good standing and licensed to practice law in a Canadian province

10 years relevant experience in financial services with deep expertise in complex commercial transactions and financing structures

Knowledge of Personal Property Security Act (PPSA) and the Register of Personal and Movable Real Rights (RDPRM)

Bilingualism in English and French (spoken and written) is mandatory

Skills & Competencies

Apply legal knowledge to the business

Ability to simplify problem solve multitask and work effectively against deadlines

Excellent oral and written communication skills

Detail oriented but able to see the bigger picture

Integrity and high moral standards

Ability to exercise sound judgment

Strong teamwork and client skills

Highly self-motivated resilient and change-oriented

Innovative and optimistic

Effectively supervise develop and lead other team members

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):