Account Management- Real Estate Secured Lending Lead

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About TD Bank, America's Most Convenient Bank®

TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth®, and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit Find TD Bank on Facebook at and on Twitter at

TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol "TD". To learn more, visit

Department Overview

The Real Estate Secured Lending Product Group (RESL) within TD Canada Trust is responsible for the development and ongoing management of the Mortgage and Flexline products, processes and portfolio. The RESL Product Group is a team of dedicated professionals with a passion for the business.

Job Description

The Account Management- Real Estate Secured Lending Lead develops, coordinates, manages, and produces the analytical environment for TD Bank N.A. Retail Credit portfolios to achieve Financial (measurement, forecasts and business budgets) and Credit estimates that support acquisition, portfolio and executive strategies and decisions. In accordance with the governing principles outlined in the TD Enterprise Risk Appetite Statement and the framework documented in the Retail Credit Risk Management Mandate, the Manager of Analytics effectively manages, monitors and controls risk of the retail lending segments within TD Bank.

Mentors and supervises retail credit risk analysts, provides leadership direction and answering questions as needed. Provides guidance and assists staff with most complex aspects of work as necessary
Resolves escalated issues and problems by conferring with senior management, staff in other internal departments, outside contacts and others as necessary
Oversees retail credit acquisition and portfolio analysis in support of financial, regulatory and risk management requirements
Performs a leadership role in managing the US Allowance for Loan and Lease Losses (ALLL) for the Retail Credit Portfolios
Participates in and supports several decision-making committees for the retail credit and portfolio management approaches
Exercises independent judgment by displaying and reaching conclusions on the most complex portfolio issues as well as assumes accountability for high quality recommendations regarding the credit portfolio
Quantifies and analyzes risk exposure characteristics for retail credit portfolios
Researches, evaluates and develops credit policy for acquiring a portfolio that is within the TD Enterprise Risk Appetite and meets the business objectives and targets
Researches, evaluates, develops, tests and applies quantitative models and methodologies for analyzing risk exposures, acquisition and collection strategies
Performs independent analytical initiatives including portfolio modeling, Stress Testing and migration analysis. Works with TDBFG Analysts to determine and validate key Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD) factors that are critical to internal Allowance for Loan and Lease Loss measures
Prepares and delivers management reporting necessary to ensure accurate and thorough measurement of risk factors present in retail credit products
Develops and documents systems/tools to automate calculations used in determining risk exposures
Develops and implements statistical models and tools to automate decisioning
Researches and recommends standards for internal/external systems used to calculate and measure risk exposures
Recommends credit policy and underwriting standard modifications where warranted. Measures and monitors the organizations credit risk exposure and provides guidance in portfolio review and strategy
Establishes oversight of business lines compliance/risk controls and periodically evaluate risk mitigation efforts to make adjustments as risk/department influences change. Ensures TD Bank maintains successful audits and exams within all areas
Ensures effective compliance with all job-relevant State and Federal regulations, including, but not limited to Employee policies, procedures, CRA EEO/ AA, as well as with all job relevant Risk Management and Corporate standards
Manages complex analytical initiatives and interacts with TDBFG Analysts, Finance, Credit, Sales, Marketing and Retail Lending lines of businesses
Provides leadership, support, and guidance to Senior Management, Credit Analysts, Finance, Credit, Small Business, and Retail Lending Lines of Business

Job Requirements

  • Must be eligible for employment under regulatory standards applicable to the position.

  • Qualifications

    Bachelors degree required; Graduate degree preferred
    10+ Years of related experience
    Significant experience required in Credit Risk Management and modeling disciplines
    Strong quantitative and statistical skills to determine sound, defensible approaches to forecasts and analyses
    Strong written and verbal communication skills
    Experience in change management related to the adoption of new business processes
    Extensive experience in organizing and presenting credit portfolio results and allowance requirements to Senior Management Committees, External Analysts, Auditors, Regulators, and Board of Directors
    Industry analysis and presentation experience

    Collections/ Loss Mitigation/ Risk Mgm't
    MS Office/ Tableau
    Mortgage Experience
    Liaison between Real Estate Secured Lending and Collections Groups


    At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach their potential.

    If you are a candidate with a disability and need an accommodation to complete the application process, email the TD Bank US Workplace Accommodations Program at . Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

    EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.