Work Location:

United States of America

Hours:

40

Pay Details:

$141,960 - $230,880 USD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. The included salary range for this role takes into account multiple factors that are considered in making compensation decisions. The base pay actually offered may vary based upon candidate's skills and experience, job-related knowledge, licensure and certifications, geographic location, and other specific business and organizational needs. As TD puts career development at the forefront of our colleague experience, it is not typical for an individual to be hired at or near the top of the range for their role.

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.

Line of Business:

Credit Management

Job Description:

The Regional Credit Operations Director II provides vision and leadership in developing, implementing and maintaining credit management operations procedures and processes to support positive financial results and growth of the brand. Acts as liaison between credit management and other business lines to address issues affecting underwriting, efficiency or the Customer/Employee Experience.

Depth & Scope:

• Strategic thinker, focused future, foresees gaps and trends will use their influence to ensure direction across the Region, collaborate with Business Partners to ensure compliant with overall strategy
• Serves as operations Senior Lead for projects impacting regional network working with Regional Commercial Credit Management to facilitate market wide initiatives, reporting, market expansion, consolidation, system changes, and best practices applying high level of expertise and project management skills
• Challenges status quo and drives change by being a 'change agent' ultimately with the focus of ensuring commercial underwriting consistency
• Collaborates with Senior Leadership to ensure visibility and timely handling of issues and participate in the formulation of resolution plans as required, M&C Escalation, Audit Remediation Plans, Dashboard and related scorecards
• Ensures the overall portfolio is comprehensively monitored and controlled consistently adhering to and administered within approved standardized guidelines and in line with established operating policies and procedures
• Completes periodic reviews of operational excellence and consistent practices
• Collaborates with credit management managers to coach and mentor credit analyst trainees in region ensuring compliance training stats meet 100% completion goal
• Partners with and provide strategic input to Regional Commercial Credit Management team to consistently focus on Elevate Commercial
• Interprets and applies TD's risk management strategy (both credit and operational)
• Understands changing market conditions and remain knowledgeable of relevant industry issues
• Participates in developing policy, procedure and processes
• Provides direction and recommendations on behalf of commercial credit management administration by participating in various initiatives
• May lead a regional support team providing governance and oversight to operational practices and identify strengths and improvement opportunities

Education & Experience:

• Undergraduate degree in Accounting or Finance or equivalent experience
• Minimum 7 years experience in related field
• Strong organizational skills with demonstrated ability to complete actions timely, project management knowledgeable preferred
• Strong credit underwriting and administration background, with the ability to identify and mitigate risk
• Demonstrated ability to influence others actions and decisions successfully without express authority within the assigned Region and Market
• Strong written and verbal communication skills
• Demonstrated process knowledge and improvement practice
• Prior supervisory experience required
• Demonstrated comprehensive knowledge of credit policies and procedures
• PC experience including Microsoft Office Suite and Company applications as necessary
• Travel within the Metro region is required and travel outside the Metro region/market may be necessary

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

Who We Are:
TD is one of the world's 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 95,000 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 you’ve 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, we’re 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 base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more

Additional Information:
We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development
If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll 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 we’re committed to helping you identify opportunities that support your goals.

Training & Onboarding
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Interview Process
We’ll 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

If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at [email protected]. Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.