Work Location:
Montréal, Quebec, Canada

Hours:
37.5

Line of Business:
Credit Management

Pay Details:
81 600 $/$81,600 - 115 200 $/$115,200 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:

Department Overview

TD Small Business Banking supports the unique needs of Canadian entrepreneurs and small businesses by delivering tailored credit solutions across a broad range of lending products. The Small Business Credit Centre (SBCC) plays a critical role in enabling business growth through timely, consistent, and high-quality credit adjudication, while ensuring strong risk management and full adherence to TD's lending policies and regulatory standards.

As part of the Small Business Banking team, the Credit Manager is a senior credit subject matter expert responsible for independently adjudicating credit requests submitted by Small Business Banking Account Managers. The role supports a nationwide portfolio and reports to a Group Manager within Small Business Banking.

Job Description

The Credit Manager, Small Business Banking operates as an individual contributor and is accountable for the end-to-end adjudication of credit requests submitted by Small Business Banking Account Managers. Clients include incorporated and unincorporated small businesses across a broad range of industries, seeking credit facilities within established small business lending thresholds.

The Credit Manager applies independent credit judgment, advanced financial analysis, and sound risk assessment to deliver consistent, high-quality credit decisions aligned with TD's risk appetite, policies, and service level expectations.

Key accountabilities include:

• Independently adjudicating credit applications within assigned lending authorities, in accordance with TD credit policies, standards, and risk appetite
• Performing in-depth financial analysis, cash flow assessment, and credit risk evaluation to support sound lending decisions
• Structuring credit facilities that appropriately balance customer needs, risk mitigation, security coverage, pricing, and covenant requirements
• Reviewing, validating, and challenging due diligence materials, including financial statements, guarantees, collateral, and supporting documentation
• Assigning and validating accurate risk ratings, ensuring consistency with policy requirements and portfolio standards
• Acting as a subject matter expert for complex, higher-risk, or non-standard credit requests, with a focus on the Quebec and Atlantic Small Business Banking portfolios
• Providing expert guidance and constructive challenge to Account Managers on credit structure, policy interpretation, and risk considerations
• Identifying emerging risks, trends, or concentrations within the portfolio and proactively escalating or addressing areas of concern
• Supporting audit, credit quality reviews, and regulatory requirements, including responding to findings and ensuring timely remediation
• Delivering consistent, timely, and well-documented credit decisions aligned with established service level expectations

The Credit Manager supports business growth by enabling responsive credit decisions while maintaining strong credit quality, consistency, and policy adherence.

Job Requirements

In addition to an undergraduate degree in Finance, Accounting, or a related field, the ideal candidate will have:

• Demonstrated ability to exercise independent credit judgment within delegated lending authority
• Advanced financial analysis skills, including cash flow, balance sheet, and guarantor assessment
• Proven ability to manage a high volume of credit requests while maintaining quality and accuracy
• Excellent written and verbal communication skills in both French and English, with the ability to clearly document and explain credit decisions to business partners
• Strong judgment, attention to detail, and a demonstrated commitment to credit quality, compliance, and risk management
• Experience in RESL, Small Business, and/or Commercial Credit underwriting considered an asset

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 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.

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:
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.

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.

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 les clients qui ont besoin de services et de soutien dans une langue autre que le français.