Account Manager II, Commercial Mortgage Group

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.

Department Overview:

The Commercial Mortgage Group (“CMG”) is an industry leader in the Canadian Commercial/ Multi-Unit Residential (MUR) mortgage market. CMG supports existing Business Banking / TD Securities / TD Canada Trust client base providing a commercial mortgage product that is competitive within the Canadian marketplace. Our goal is to deliver a commercial mortgage product at all times and in all market conditions, subject to assets, structure and other risk parameters being acceptable.

Job Description:

The Account Manager II (AM II) reports to an Associate Vice President (AVP) or a Manager Mortgage Credit (MMC) and the AM II position level is differentiated by the complexity and size of portfolio relationships. The AM II is responsible for managing an assigned portfolio of Multi-Unit Residential ("MUR") loan facilities, with the following accountabilities:

• Focus on risk management including in-depth commercial mortgage analysis, deal structure, monitoring and control and overall portfolio management.
• Responsible for the consistent implementation of policies and procedures relating to the Bank's activities within CMG.
• Work closely with CMG Originators, NREG's, CBC's and SBB's to support CMG growth goals in obtaining new business through structuring CMHC and Conventional MUR deals and preparing competitive credit submissions in a timely manner.
• Support CMG retention goals by proactively managing term renewals and expanding opportunities with existing clients.
• Develop a network of contacts within the Bank and with industry professionals (CMHC, solicitors, and third-party consultants) that will assist in improving underwriting and overall level of service.
• The AM II will become a MUR (including CMHC) product specialist and effectively communicate with customers, internal contacts and external referral sources.

Job Requirements:

• Understanding of data analysis, financial statements, cash flow, business cycles and mortgage securities.
• Prepare credit applications demonstrating high quality risk assessment, credit structure, due diligence and credit presentation.
• Strong organizational skills with the ability to successfully manage multiple key strategic initiatives simultaneously.
• Employ strategic thinking to achieve results in a fast-paced environment and be able to manage multiple key strategic initiatives simultaneously.
• A successful candidate will be results-driven and possess excellent verbal and written communication skills.
• Preferably credit underwriting experience with CMG retail, MUR, CMHC or other real estate exposure.
• A combination of Commercial Banking, credit risk management, operations and portfolio management skills would be considered assets.

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 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 95,000 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.

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.

If you’re 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.  

We're 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.