**Work Location:** Burlington, Ontario, Canada **Hours:** 37.5 **Line of Business:** Credit Management **Pay Details:** $108,800 - $163,200 CAD 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 candidate's 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 Equipment Financed (TDEF), within the Specialized Finance Group of the Business Bank is a center of excellence for the bank where the primary role is providing equipment financing (leases and loans) to eligible business clients. The Sr. Manager TDEF Small Business Credit is responsible for maximizing business results and maintaining controls for the credit and operational risk of the TDEF business. The position reports to the AVP Credit, Collections and Compliance and interfaces closely with Retail Risk Management, Credit Risk Policy, and Credit Product Group. The position is accountable for achieving the Business Banking Quest in addition to delivering a superior customer experience while driving profitable business growth in the equipment financed business. Accountability to the Shareholder: Assist in executing business plan, goal setting, growth strategies and coaching for the Unit • Meet or exceed annual sales, revenue, volume & new customer objectives for the Unit • Support the sales team in booking new business, for example, by structuring competitive credit packages in a timely manner. • Effective use adjudication tools • Coach the equipment finance team in meeting business development targets by recommending alternatives in structure or pricing to meet the needs of the customer and to adhere to TD's risk management policies and credit appetite. Accountability to Credit & Operational Risk: Ensure products and services are sold and operate in a compliant manner minimizing the regulatory compliance and operational risk to the Bank. Complete all compliance training and attestations within required timelines. • Prepare and/or assess credit applications with the appropriate level of risk assessment, credit structure, due diligence, and credit presentation. Ensure they provide a high quality of risk assessment, credit structure, due diligence and credit presentation. • Approve credit applications within approval discretionary limits and make recommendations on all others • Be knowledgeable in accurately applying credit assessment tools (Paynet, Equifax, Dep'n tables, equipment analysis, etc.) • Be knowledgeable of and comply with Bank and Industry Codes of Conduct • Understand the equipment finance market and the industries within the portfolio to ensure value added service is provided to clients while mitigating risk to the Bank • Ensure appropriate credit approvals are in place and prefunding conditions are met prior to allowing draws • Interpret and apply TDs risk management strategy (both credit and operational) • Implement and operate systems to identify and mitigate operational risk issues Accountability to the Customer: • Deliver exceptional service at every interaction and execute on plans to continuously improve the customer experience and speed to market. • Constantly build knowledge of the market, customers and broader economic factors • Resolve customer and credit issues to deliver a positive customer experience • Structure creative competitive solutions to meet customer needs • Identify and respond to changes in the business environment, establishing action plans to address customer issues and priorities • Enhance TDBFG brand by participating at network events in your community – be the face of the bank • Coach Credit Managers and Analysts in developing creative credit solutions that add value for our customers. • Identify and respond to changes in the business environment, establishing action plans to address customer and industry issues and priorities • Employ industry best practices while working within the Banks guidelines to make TDEF the Better Bank Leasing Company and become the Subject Matter Expert for equipment finance. Acountability to the Team: • Embrace and promote a positive environment that supports a diverse workplace • Actively participate in the performance management process including performance reviews, feedback and coaching sessions as well as performance and development discussions • Provide and ask for Coaching in line with Business Banking standards • Seek knowledge both formal and informal in line with personal development plan objectives **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 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 (http://www.td.com/ca/en/about-td/who-we-are/benefits-of-working-at-td) **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. 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 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** Your accessibility is important to us. Please let us know if you’d 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):** Maîtrise d’une langue autre que le français pour offrir du soutien ou traiter avec des employés qui ont besoin de services et de soutien dans une langue autre que le français. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.