Undergraduates

Learn the fundamentals of commercial lending through financial analysis, risk management and industry analysis, working closely with a variety of mid-market businesses. Put your business skills to the test, creating proposals based on the diverse credit, deposit and cash management needs of your clients, to help them meet their individual and financial goals.

Sumit : Commercial Banking Associate

“I look forward to meeting Directors and seeing business operations first hand!”

Discover what a typical day looks like for Sumit

8:00AM
Monitor portfolio activity and draft a report. After monitoring portfolio activity, I submit a summary report to the Manager of Commercial Credit. The date and time of a client annual review meeting is confirmed. I look forward to meeting the directors and seeing the business operations first hand!

9:00AM
Prepare for a conference call. I have a conference call with the credit risk management department. I present a credit structure that has contemplated key risks of a loan request. After some discussion I’ve finalized a financing package that I present to the prospective client.

10:00AM
Off to a team meeting. A full staff meeting is held in the boardroom today to review our unit’s quarterly financial results. It’s exciting to see our growth and how we rank in the division!

12:00PM
Write a high priority annual review. Renewal timeliness is key; especially on an account which has an increasing risk profile. The client has experienced several events of fraud over the year. I discuss the situation with the Cash Management Service team and we arrange to introduce counterfeit prevention products to the client.

1:00PM
Today we have a potluck lunch in celebration of Canadian Multiculturalism Day. Lots of food! Until now, I hadn’t realized that our office staff represents cultural backgrounds from twelve countries around the world!

2:00PM
Meet with the relationship manager to discuss pricing on a file. I make recommendations for price changes in light of a changing risk profile. We discuss strategies to ensure our target return is met. Then I propose a revised pricing structure and rationale to the client.

3:00PM
Research a product online. The team discusses a loan product that I’m unfamiliar with. I research the product and its lending parameters on the intranet and contact an internal partner to discuss. An Account Manager helps by providing me with a list of similar deals for reference.

4:00PM
Conducting a site visit on a commercial property. The inspection is part of the due diligence process prior to lending. We‘re financing a roof replacement and other property maintenance. The property manager takes us on a tour (including the rooftop!).

5:00PM
Last item of the day. I get back to the office and enter notes in the customer relationship database. This will help me complete the property inspection report before loan funding.

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Provide financial solutions to Canada’s dynamic agriculture and agribusiness sector. In this role, you will keep on top of competitive developments, environmental market trends and essential economic conditions, along with regulatory and policy issues governing the agriculture community. Become adept at managing relationships, as you help clients with business plans and offer financial solutions customized to their individual needs.

Meagan : Agriculture Services Associate

“I put together financial options that will work for farmers and other agribusiness customers and their financial situations”.

Discover what a typical day looks like for Meagan
8:00AM
First call of the day. I tell a customer, a farmer who wants to double the size of his barn, that we’ve approved his loan application. Good news!

9:00AM
Meet with customers onsite. A long-time customer is selling his farm to his daughter and her husband. The couple have applied for a loan to buy new equipment and modernize. Their plans are ambitious. Overly so? I’ll know better after I inspect the property as part of the due diligence process.

10:00AM
Complete an analysis for my customer. I’m impressed with the farm – and the customers. Will suggest we conduct a full cost/benefit analysis specific to their operations so we can get the information we need to make good decisions.

11:00AM
Return to the branch. There’s a message from my boss and mentor. We discuss the latest news from Ottawa and the report on commodity pricing that I’m preparing for our upcoming regional team meeting.

1:00PM
Another customer meeting. I’ve put together a financial option that I think will work for his farm business and his financial situation.

2:00PM
I prepare for another customer meeting. With a beef farmer who wants to expand his herd. I make a note to tell him about the research article I recently read.

5:00PM
Ready to pack up for the day. I head home to pack for a week-long credit rating course that starts in the morning. It’s an area that really interests me.

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Help businesses reach their goals while applying your strong rapport, sales and financial skills. This program provides a unique opportunity to experience the fast-paced world of Commercial Real Estate lending. It will allow you to structure financing packages to meet mid-market companies’ credit needs, and provide them with a myriad of other banking products and services they require to effectively run their businesses.

Joti : Real Estate Associate

“What an incredible feeling to know that I am a small part of building a larger community!”
Discover what a typical day looks like for Joti

8:00AM
Get organized. It’s the beginning of the month and I need to take some time to outline my calendar and prioritize my workload. My month includes a combination of the following: complete annual and quarterly reviews to ensure that my team is in line with the Bank’s expiry target, conduct site visits, analyze and complete new business requests, monitor TD policy changes and industry news given changing market conditions, make the necessary referrals to other TD business partners, and set individual and team goals.

9:00AM
Daily monitoring and control. I start each day by monitoring my team’s portfolio activity. It’s a great way to familiarize myself with each borrower and their operating routine. It’s also an important way to track construction project spending. A summary report outlining any existing or potential concerns is submitted to the Account Manager (my mentor) and our Manager of Commercial Credit.

10:00AM
I meet with my mentor to discuss a new project financing request. A well-known developer is requesting construction financing for phase 1 of a 120 unit low-rise project. I analyze the project budget, pre-sales and financial strength of the borrower to determine an appropriate financing structure. I also do some online research to look at land-sale comparable to support our land valuation.

11:00AM
I present the analysis. My mentor and I present our analysis to our manager and the Credit Risk Management to finalize our financing package. We have a lunch meeting scheduled with the borrower in a few days, so I’ll put together a discussion paper outlining the proposed terms and conditions of financing.

12:00PM
“Topping-Off” ceremony and lunch. One of our clients has invited us to celebrate a construction milestone! The borrower just completed construction of the roof of a multi-unit office building that we’re financing. The building is a significant part of the redevelopment plan for this area of the city. What an incredible feeling to know that I am a small part of building a larger community!

1:00PM
I make a stop at another construction site before going back to the office. We conduct regular site visits to monitor the progress of construction and estimate costs incurred to date. Not only does this part of our ongoing due diligence but it helps us to keep track of line usage and possible cost overruns. Now I need to get back to the office to write up the site visit report.

2:00PM
A client left a message requesting an increase to their operating line of credit. The client wants to make capital improvements to a rental property. I call the client to request current financial statements and an updated rent roll in order to proceed with analysis to form a credit recommendation.

3:00PM
I need to finish a high priority project update review documenting significant cost overruns. I call the client to provide the new structure and rationale for change. We negotiate an alternative structure that satisfies everyone. I need to get cracking on this review tomorrow!

5:00PM
I complete the site visit report and collect monthly market reports/data to share with the rest of the group. In addition to collecting reports from reputable industry sources, I call a client to chat about the new legislation and get a feel for what other builders are thinking.

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This two-year rotational program will help you advance your career through financial training, rotational experiences and personal development planning.

Find the right fit. Here’s what makes you an ideal candidate for this program. You are:

• Passionate about accounting and looking to pursue your Chartered Professional Accountant designation
• Leader, analytical thinker and dynamic problem solver
• Proficient at accounting and finance principles, and adept at forecasting
• Skilled at preparing business cases in support of strategic initiatives and conducting in-depth research
• Fascinated by drawing meaning from data, and focused on the big picture
• Completing the third year of your undergraduate degree with a focus on Finance, Accounting or other relevant discipline

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An initial four-month summer conversion program, from May through August, is focused on third year undergraduate students. The program’s goal is to offer you a permanent full-time position in our two-year CMRM Associate Program upon your graduation. This two-year program will help you advance your career through financial training, rotational experiences and personal development planning.

Find the right fit. Here’s what makes you an ideal candidate for this program. You are:• fascinated by Risk Management, including monitoring interest rates, and staying current on market trends and macroeconomics

• Well-informed on capital markets and treasury products as well as inherent market and credit risks
• Adept at solving problems and facing challenges in a complex and heavily regulated industry
• Capable of taking initiative, and applying your strong quantitative and analytical skills
• Enthusiastic team player with well developed interpersonal skills
• Completing the third year of your undergraduate degree in Business, Economics, Mathematics, Finance or other relevant discipline

Capital Markets Risk Management is a valued and trusted business partner, managing strong and effective relationships across TD Securities and regulators globally. As part of the Risk Management team, you are joining a network of over 1,800 employees in offices across Canada, the United States, the United Kingdom and Singapore.

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This two-year rotational program provides extensive training based on unique experiences and personal development planning.

Find the right fit. Here’s what makes you an ideal candidate for this program. You are:• creative, innovative and media savvy

• Stimulated by the digital world, and current with leading-edge digital technologies and trends that support product strategy and development
• Conceptual thinker with proven analytical and problem solving skills – ready to take on challenges and solve problems
• Completing your undergraduate degree or college diploma in one of the following: Interactive Digital Media, Information Media and Technoculture, Digital Strategy & Communications Management, Mobile Business Technologies and Applications or another related digital program.

If you have one to two years of digital experience, that would be considered an asset.

Working in TD’s Digital Channels business means focusing on creating legendary experiences for TD’s eight million active online and mobile customers. This business is an exciting and innovative place to work. You will experience TD’s unique culture and be part of a world-class digital group.

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The TD CPA Pre-Approved Associate Program (the “Program”) is intended to attract, develop and retain individuals with high potential seeking a CPA designation to our organization.

Practical Experience

The Program consists of the following rotations for a total of 30 months:

1. Internal Audit (2x 9 month rotations) – see the bank from the “3rd line of defense” and deliver high quality assurance services to our diverse internal audit clients, such as TD Securities, IT, Canadian Banking and Wealth etc.;
2. Finance (1x 6 month rotation) – gain experience in forecasting, financial reporting, and performance management in our Canadian Business and Wealth Finance team
3. Chief Accountant’s (1x 6 month rotation) – gain exposure to the world of financial reporting and implementation of accounting policies

CPA Associates will be mentored by a strong successful CPA with years of audit and business experience.

CPA PEP and CFE

We will support the CPA Associates through their CPA Professional Education Program (CPA PEP) and Common Final Examination (CFE). This includes:

• Providing an experienced CPA mentor
• Pay for the CPA module and exam fees
• Provide external training for the CFE
• Provide time off for CFE prep

Candidate Profile

The Program will target high performers who are in the final year of undergraduate studies. The Program will select individuals who meet the academic pre-requisites required for admission to the CPA PEP. Ideal candidates are those that possess high standing upon graduation and demonstrate leadership through extra-curricular and/or community involvement.

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Welcome to our Management Development Program, where undergraduates are given the opportunity to complete four valuable six -month rotations. Make a bigger impact by building strong organizational relationships, understanding business depth and learning the enhanced skills required to build a rewarding career with TD.

Our Management Development Program focuses on general management capabilities and enables associates to complete customized rotations within various businesses throughout our organization, including:

• Cards and Merchant Solutions (CAMS)
• Business Banking
• Wealth Management
• Retail Banking
• And more!

We strive to live and breathe the TD Leadership Profile and Guiding Principles, while gaining the essential breadth and experience to consistently add value and get results.

If you have an undergraduate degree and are looking to develop personally and professionally, in an organization like TD; this could be the start of a fantastic and rewarding career.

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