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About the Role

The Associate, Strategic Accounts role is an entry point into TDAF Strategic Accounts for individuals with prior Commercial or Corporate Banking experience. The Associate provides credit underwriting, transaction execution, and portfolio management support. This exposure is intended to build the technical credit, industry, and execution capabilities required for progression to the Associate Director role.

Responsibilities

• Provide credit underwriting support across Strategic Accounts portfolios, including new transactions, amendments, renewals, and annual reviews.
• Analyze borrower and guarantor financial performance, cash flow, leverage, liquidity, debt service capacity, collateral coverage, and key industry risks.
• Assist in preparing clear, well-supported credit submissions that identify transaction rationale, structure, risks, mitigants, policy considerations, and recommended terms.
• Contribute to the structuring of competitive financing packages while maintaining a balanced view of risk, return, credit quality, and client needs.
• Complete financial spreading, trend analysis, sensitivity analysis, and financial modeling appropriate to the complexity of the account and transaction.
• Support due diligence and closing activities by coordinating information requirements, conditions precedent, documentation items, and internal approvals with deal team members.
• Assist with ongoing portfolio monitoring and control processes, including covenant tracking, annual review and expiry management, exception follow-up, internal reporting, and maintenance of complete credit files.
• Identify emerging credit issues and escalate material findings promptly to the Associate Director, Director, and/or Credit leadership, as appropriate.
• Collaborate with Relationship Management, Credit, Operations, Risk, Legal, and other partners to support coordinated and timely transaction execution.
• Deliver reliable, responsive service to internal and external stakeholders and contribute to continuous improvement of the client and colleague experience.
• Maintain current knowledge of automotive retail trends, dealership financial drivers, TDAF products, credit policies, systems, and related tools.
• Participate as an engaged member of the team, contribute to knowledge sharing, and support ad hoc initiatives as assigned.

Requirements

• Undergraduate degree in Business, Economics, Finance, Accounting, or another relevant quantitative discipline, or equivalent work experience.
• Previous experience in Commercial or Corporate Banking, credit underwriting, risk management, or a related field; exposure to larger or more complex transactions is preferred.
• Solid foundation in credit analysis, financial statement analysis, and problem-solving, with the ability to develop well-reasoned conclusions.
• Financial modelling skills and proficiency with spreadsheet and presentation tools.
• Strong written and verbal communication skills, with the ability to organize complex information into clear credit narratives.
• Strong organizational skills and attention to detail, with the ability to manage multiple priorities in a dynamic, deadline-driven environment.
• Ability to work effectively both independently and as part of a collaborative deal team, while seeking guidance and escalating issues appropriately.
• Ability to engage professionally with internal and external stakeholders, including Relationship Management, Credit, Risk, Operations, Legal, and clients.
• Curiosity, sound judgment, accountability, and a commitment to continuous learning and high-quality execution.
• Automotive dealership finance or industry experience is an asset.

Skills

• Credit underwriting
• Transaction execution
• Portfolio management
• Credit analysis
• Financial statement analysis
• Problem solving
• Financial modelling
• Spreadsheet proficiency
• Presentation tools proficiency
• Written communication
• Verbal communication
• Organizational skills
• Attention to detail
• Collaboration
• Stakeholder engagement

Location

• Toronto, Ontario, Canada

Work Type

• Full-time

Experience Level

• Entry level
• Associate

Education Level

• Undergraduate degree in Business, Economics, Finance, Accounting, or another relevant quantitative discipline, or equivalent work experience.

Salary/Compensations

• $81,600 - $115,200 CAD
• Eligible for a discretionary variable compensation award that considers business and individual performance.

Benefits

• Health and well-being benefits
• Savings and retirement programs
• Paid time off
• Banking benefits and discounts
• Career development
• Reward and recognition programs
• Training programs
• Online learning platform
• Mentoring programs

About the Company

• TD Auto Finance (TDAF) is a dynamic division within TD, a rapidly growing business with Automotive Banking Centres located in Toronto, Calgary, and Montreal.
• The TDAF Commercial team focuses on lending to auto dealers across the country, providing comprehensive solutions to meet their banking needs.
• TD's goal is to become Canada’s #1 auto lender, with over 900 people strong including an external sales team, credit adjudication, funding, inside sales, loan administration, customer service, collections and recovery, and federated functions of risk management, technology solutions, finance & human resources.
• TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores.
• TD strives 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.
• TD hires and develops the best.

Equal Opportunity

• 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.
• 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.
• 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.