Small Business Banking, Policy Manager

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Hours:

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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:

The SBB Credit Policy Manager role leverages a combination of lender acumen analytics and strong verbal and written communication skills to improve and advance the full suite of credit products in Small Business Banking (SBB). The key objectives of the position are to develop enhancements to new and existing policies provide guidance to partners and balance the profitability of SBB credit with the risk appetite of the Bank. The role fits within the larger objective of Fund My Business (FMB) journey as Business Banking works to achieve Our Quest to become the number one business bank in Canada.

Job Description/Accountabilities:

As SBB Credit Policy Manager within FMB the successful candidate will:

• Review and renew existing credit policies to ensure:

  • Appropriate alignment with growth objectives recommending improvements where appropriate;

  • Suitable risk performance; including PCL and Write-Off analysis and trending

  • Relevance in terms of overall SBB distribution objectives/scorecard

• Recommend new credit policy/process improvements where appropriate aligned with broader FMB objectives.

• Work to obtain consensus support for recommendations from relevant partner groups management and senior executives via strong written and verbal presentation skills.

• Build and maintain a network of contacts to assist with the effective completion of this role; working with key stakeholders and partners including from Retail Risk Management (RRM) Small Business Credit Centre (SBCC) Small Business Lending Advisory Group (SBLAG) etc.

• Represent FMB and act as a Subject Matter Expert (SME) on SBB policy queries/questions on individual requests and in a broader organizational capacity.

• Adapt to challenges/opportunities as presented to contribute both directly and indirectly to:

  • Achieving Business Banking credit volume and revenue targets

  • Supporting Business Banking product policy and strategy initiatives and launches including presenting on Leadership and National calls.

  • Maintaining awareness and tracking of relevant risk trends and credit performance metrics

Qualifications/Skills/Experience:

• Ability to establish and leverage working relationships across diverse groups within the Bank.

• Familiarity with data sets in order to extract actionable insights and generate recommendations.

• Prior Business Banking or Credit Risk Management experience preferred.

• Strong analytical and problem-solving skills.

• Reasonable skills to work with a variety of other PC applications such as Microsoft Word Excel PowerPoint and Access.

• Self-motivated demonstrates a sense of urgency where required.

• Independently organized with the ability to coordinate multiple simultaneous tasks and deliverables.

• Ability to work effectively in a constantly changing environment requiring ongoing re-evaluation of priorities and management of multiple concurrent deadlines.

• Familiarity with Business Banking and/or Small Business Banking credit products and processes is considered an asset.

• Familiarity with Risk Management concepts and or Risk/Credit experience is considered an asset.

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 deliver legendary customer experiences to 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 the Bank those we serve and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers communities and colleagues.

TD is deeply committed to being a leader in customer experience that is why we believe that all colleagues no matter where they work are customer facing. As we build our business and deliver on our strategy we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether youve got years of banking experience or are just starting your career in financial services we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs were here to support you towards your goals. As an organization we keep growing and so will you.

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. Whether you have a passion for helping customers and want to expand your experience or you want to coach and inspire your colleagues there are many different career paths within our organization at TD and were committed to helping you identify opportunities that support your goals.

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):