Job Details

Regional Credit Operations Director I

The Regional Credit Operations Director I provides vision and leadership in developing, implementing and maintaining credit management operations procedures and processes to support positive financial results and growth of the brand. Acts as liaison between credit management and other business lines to address issues affecting underwriting, efficiency or the Customer/Employee Experience.

Depth & Scope:

• Focuses future, foresees gaps, trends and uses influence to ensure direction across the Region, with Business Partners is compliant with overall strategy
• Assists in leading projects impacting regional network working with Regional Commercial Credit Management to facilitate market wide initiatives, reporting, market expansion, consolidation, system changes, and best practices applying high level of expertise and project management skills
• Challenges status quo and drives change by being a change agent ultimately with the focus of ensuring commercial underwriting consistency
• Communicates with regional leadership to ensure visibility and timely handling of issues and participates in the formulation of resolution plans as required, M&C Escalation, Audit Remediation Plans, Dashboard and related scorecards
• Ensures the overall portfolio is comprehensively monitored and controlled consistently adhering to and administered within approved standardized guidelines and in line with established operating policies and procedures
• Completes periodic reviews of operational excellence and consistent practices
• May assist credit management managers in coaching and mentoring credit analyst trainees in region ensuring compliance training stats meet 100% completion goal
• Partners with Regional Commercial Credit Management team to consistently focus and Elevate Commercial
• Follows TD's risk management strategy (both credit and operational)
• Remains knowledgeable of relevant industry issues
• Participates in developing policy, procedure and processes
• Provides direction and recommendations on behalf of commercial credit management administration by participating in various initiatives
• May lead regional support teams or provide governance and oversight to operational practices

Education & Experience:

• Undergraduate degree in Accounting or Finance or equivalent experience
• Minimum 5 years experience in related field
• Strong credit underwriting and administration background, with the ability to identify and mitigate risk
• Demonstrated ability to influence others actions and decisions successfully without express authority within the assigned Region and Market
• Strong written and verbal communication skills
• Demonstrated process knowledge and improvement practice
• Strong organizational skills with demonstrated ability to complete actions timely, project management knowledgeable preferred
• Demonstrated comprehensive knowledge of credit policies and procedures
• PC experience including Microsoft Office Suite and Company applications as necessary
• Travel within the Metro region is required and travel outside the Metro region/market may be necessary

Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel Occasional
• International Travel Never
• Performing sedentary work Continuous
• Performing multiple tasks Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds Occasional
• Sitting Continuous
• Standing Occasional
• Walking Occasional
• Moving safely in confined spaces Occasional
• Lifting/Carrying (under 25 lbs.) Occasional
• Lifting/Carrying (over 25 lbs.) Never
• Squatting Occasional
• Bending Occasional
• Kneeling Never
• Crawling Never
• Climbing Never
• Reaching overhead Never
• Reaching forward Occasional
• Pushing Never
• Pulling Never
• Twisting Never
• Concentrating for long periods of time Continuous
• Applying common sense to deal with problems involving standardized situations Continuous
• Reading, writing and comprehending instructions Continuous
• Adding, subtracting, multiplying and dividing Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.