Open your mind to more. TD is an extraordinary place to work, where you can achieve your personal and professional goals. No matter what part of the business you work in, you will be able to make an impact. Explore a wide range of opportunities, with access to world-class training and mentorship at every step. Join TD’s unique and inclusive culture and live up to your full potential, in a way that expresses who you really are. TD is a place where talent meets possibility.
Business Banking Programs
Real opportunity right when you’re ready. Be part of TD Business Banking and help us provide customized financial solutions to North American businesses. Our broad range of products and services allow us to meet the needs of our clients in every sector, building strategies to help them achieve their immediate and future goals. Join us in our quest is to deliver a first-class business banking client experience and to be the Better Business Bank in North America.
Discover an exciting entry into the vital world of business banking, in one of three possible streams. Working as part of a team in commercial, real estate or agriculture areas, these eight to ten month programs include on-the-job mentoring and several classroom courses. This will provide you with the skills and knowledge to deliver solutions to meet our clients’ needs. Your career path in Business Banking can lead to a variety of challenging opportunities as you earn the trust and respect of both clients and colleagues.
Commercial Banking Associate
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
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!
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.
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!
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.
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!
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.
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.
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!).
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.
Agriculture Services Associate
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
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!
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.
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.
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.
Another customer meeting. I’ve put together a financial option that I think will work for his farm business and his financial situation.
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.
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.
Real Estate Associate
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
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.
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.
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.
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.
“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!
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.
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.
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!
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.
Consumer Banking Programs
TD’s newest Associate programs in Consumer Banking offer an unprecedented opportunity to fast track your career while learning on the job and through comprehensive development programs. Two streams are available:
Financial Advisor Associate
As a Financial Advisor Associate you will learn how to be a senior advice provider through a 6-month rotational program that will fast-track you to becoming a TD Bank Financial Advisor. This role is the primary contact for large, complex investment and credit needs, often dealing with high value customers. Your development will begin by learning branch front-line basics all the way through to complex investment and credit needs. Through the program you will: earn the required licensing and registration, participate in e-learning and on-the-job comprehensive training, and be mentored by successful managers.
You are the ideal candidate if you are completing an undergraduate degree and looking for a role in business with fast progression. We are looking for undergraduates that embrace the opportunity for mobility across the Consumer Banking footprint, with a strong positive attitude, ability to communicate effectively, who thrives on building strong relationships based on trust.
Branch Manager Associate
As a Branch Manager Associate you will learn to be an effective sales and service leader, overseeing the daily management of a branch and team of financial professionals. Through a 24-month comprehensive development program you will gain on-the-job experience while fast-tracking to become a TD Bank Branch Manager. Through the program you will earn the required licensing and registration, while being mentored by successful leaders. You will be given the opportunity to lead a team, drive results and develop your professional network.
You are the ideal candidate for this fast-paced opportunity if you are completing an undergraduate or Master’s degree in Commerce, Business Administration or Economics with a minimum of three years of work experience in a retail or customer-focused environment, and three to five years of people management experience. You embrace the opportunity of mobility across the Consumer Banking Platform.
Global Functions Programs
Experience choice, collaboration and community. Bring your passion and ambition, and let us help you develop the career you’ve always dreamed of. Start here to find the program that’s best suited to your skills and interests.
Finance & Accounting Associate
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
Capital Markets Risk Management (CMRM) Associate
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.
Digital Channels Associate
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.
TD CPA Pre-Approved Associate Program
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.
The Program consists of the following rotations for a total of 30 months:
- 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.;
- Finance (1x 6 month rotation) – gain experience in forecasting, financial reporting, and performance management in our Canadian Business and Wealth Finance team
- 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
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.
Analytics and Data Science Associate program
A two-year rotational program, Associates are provided the opportunity to cycle through four lines of business to create and build complex models, provide analytics that enable optimal business decisions and resolve complex business decisions. Associates gain exposure to data visualization where techniques are applied to interpret and communicate recommendations in support of business growth.
Find the right fit. Here’s what makes you an ideal candidate for this program. You are:
- Completing an undergraduate degree in Computer Science, Mathematics, Engineering, Quantitative Analysis, Statistics, Data Analytics or a related field and bring strong statistical/analytics skills & interests
- An excellent verbal and written communicator with ability to work collaboratively in a team environment.
- Well versed in one or more of: Big Data – Predictive Analytics, Optimization, Regression, Logit Modeling, Discreet Choice, Simulation, Propensity Modeling; Machine Learning – Data/Text Mining, Programming, Algorithm Development, Automation Data Visualization, Natural Language, and Processing.
Enterprise Associate Program
Broaden your impact. A career with TD offers you the opportunity to learn from the best and be part of an outstanding organization. If you’re ready to be inspired and go further, then you’re in the right place.
Management Development Program
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.
Take a look at our available undergraduate opportunities to find the right fit for you. If you don’t see a current program opening that suits your interests, keep in mind we recruit at various times throughout the year.
TD Securities Program
Get serious about your securities career at TD. At TD Securities, we partner with clients to deliver innovative financial solutions that help them achieve their strategic and financial goals. As a leading investment dealer with offices in key global financial centres, we recruit high-calibre, diverse talent to be future leaders. New employees work with experienced colleagues and have an opportunity to make a real difference for our clients, right away. If you have what it takes, we’ll provide you with everything you need to achieve your career ambitions; as well as the recognition, reward, career advancement and global mobility opportunities that come along with high performance.
Challenge yourself. TD Technology Solutions is made up of several divisions representing all the businesses and functions at TD. Infrastructure, Application Development, Digital and Innovation are just a few of the areas in which our skilled Tech team delivers legendary products via innovative solutions to our customers. An IT career at TD is about working with talented individuals and solving complex challenges using leading edge technologies.