Work Location:
Toronto, Ontario, Canada

Hours:
37.5

Line of Business:
Personal & Commercial Banking

Pay Details:
$59,500 - 84,000 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:

The Customer Service Officer (CSO) provides support to teams of Analysts and Account Managers ("AM") in the CMG segment. A bilingual candidate (French language) is preferred.

The position reports to the Manager, Credit Administration and Reporting.

SHAREHOLDER

Grow Economic Profit (EP) of the Unit - 20%

• Maximize support for AMs and Analysts in credit administrative matters so that those positions can focus on their other accountabilities such as risk assessment and sales that contribute directly to EP.
• Actively contribute to the businesses success by asking questions to better establish specific needs of the customers; and referring to the appropriate person/area for follow-up and closing.
• Provide efficient administrative processing and ensures operational risks are managed effectively to minimize losses.
• Contribute to continuous process improvement.

Manage Credit and Operational Risk - 45%

• Provide effective credit administration for the portfolio, both within the Unit and by interfacing with other parts of TDBFG. Role includes direct contact with branches, and customers on credit administrative matters, such as obtaining Financial Statements, rent rolls and Third Party Reports, KYC/Compliance. The position also contacts customers as requested by the AM/Analyst to follow up on items/issues.
• Obtain/compile all the supporting documentation that the AM/Analyst require for writing credits; follow-up on security to-be ­obtained and Disbursement Conditions (such as Holdbacks and Undertakings); administer credit ratings, etc.
• Ensure appropriate booking of rates and collection of fees.
• Minimize risk and maximize cost-effectiveness by adhering to operational standards and procedures and recommending process improvements.
• Partner with administrative support groups such as the CAS to facilitate their functions such as inputting credits, making payments, finalizing security, funding mortgages etc.
• Be knowledgeable of and comply with Bank and Industry Codes of Conduct.
• Ensure all reporting is completed by due date and all tracking is appropriately recorded i.e. Compliance items, CSP updates-TBO's; Undertakings & Holdbacks; Mortgage System reporting; Commercial World (CW) reporting (where applicable).
• Review Monitoring & Control Manual, Team Meeting "minutes" & Internal Procedures Binder to ensure compliance with all procedural updates.

CUSTOMER

Relationship Management on the Portfolios Supported - 25%

• Follow best practice service standards.

• Act as key liaison with back office, product and operational risk areas to champion solutions for the customer.
• Maximize the role of internal partners such as CAS and minimize overlap, hand offs and issues.

• Manage interface with customers at an appropriate level.

TEAM

Leadership and People Development - 10%

• Be an integral part of the Unit by being an effective team player and actively participating in group meetings and initiatives.
• Take responsibility for own developmental needs.
• Consistently demonstrate TDBFG Guiding Principles (Be Customer Driven, Respect Each Other, Execute with Excellence, Know Our Business, Enhance our Brand and Increase Shareholder Value).

• Supports CBC and/or Commercial mortgage side of the business with larger and more complex portfolio and transactions
• Responsible for various reports on Mortgage System, Commercial World and other Monitoring and Control, Compliance or internal reporting

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):
Sans Objet