Credit Management Regional Head – Commercial Real Estate
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Job Description
Credit leadership for TD’s commercial real estate lending and risk management portfolio. Managing underwriting, risk, loan structuring, approvals, and regional credit teams.
Responsibilities:
- Manage credit underwriting and credit administration for a large and complex regional portfolio or Specialty Banking product vertical
- Establish credit structures, Borrower Risk Ratings, and Facility Risk Ratings for new and existing credit relationships
- Lead Market Credit Managers, Senior Portfolio Specialists, Credit Specialists, and Credit Analysts
- Manage regional credit operational risk while driving profitable business growth
- Participate early in deal structuring with the Regional Director or Team Lead and Credit Risk Management
- Sponsor and advance transactions through the approval process
- Ensure adherence to risk policies, operational risk processes, and underwriting guidelines
- Ensure timely and consistent underwriting and closing of new and existing credit relationships
- Direct annual reviews, renewals, and loan covenant compliance reviews
- Lead commercial loan structuring, pricing models, RAROC, Maestro, and loan reporting systems
- Balance business development, loan pricing, and credit risk
- Structure creative and competitive solutions for complex customer needs
- Monitor macroeconomic, industry, and business-environment changes and establish action plans
- Escalate regional credit issues to the Regional Director or Team Lead and Credit Risk Management
- Ensure staff operate within TD Bank Group Risk Appetite Principles and regulatory and compliance guidelines
- Approve loans and annual reviews within delegated authority and make recommendations on other applications
- Build relationships with business partners across the Division and TD Bank, NA
- Coach credit management staff on value-added, compliant credit solutions
- Ensure responses to regulatory, Audit, and Credit Risk Review inquiries
Requirements:
- 4-year undergraduate degree required; advanced degree in a financial discipline preferred
- 10+ years of experience in a related field
- In-depth understanding of the real estate industry
- Knowledge of business development techniques and credit decisions
- Excellent credit underwriting and administration skills
- Superior ability to identify and mitigate risk
- Understanding of value-add credit structuring in a commercial banking environment
- Excellent written and verbal communication skills and business acumen
- Excellent interpersonal skills
- Customer-focused approach
- Ability to lead and manage people
- Superior planning and organizational skills
- Proven ability to solve complex problems
- Technological proficiency
- Ability to comply with TD Bank Group Risk Appetite Principles and applicable regulatory and compliance requirements, including Anti-Money Laundering, Privacy, Firewalls, and Systems and Information Security
Benefits:
- Variable compensation/incentive awards, including eligibility for cash and/or equity incentive awards
- 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
- Reward and recognition
- Regular career, development, and performance conversations with a manager
- Access to an online learning platform
- Mentoring programs
- Training and onboarding sessions
- Accommodation support during the application process
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