Michael Hames Email & Phone Number

Calgary, AB, CA

Western Canada

• Support the Pacific, Alberta and Man/Sask Agriculture Services Units for TD in Western Canada
• Oversee a group of 55+ individuals, including both credit and support staff, dedicated to servicing and growing mid-market relationships in Western Canada (British Columbia, Alberta, Saskatchewan and Manitoba) with a.
• Work with partners both within and outside TD to grow and strengthen TD's brand profile and provide value-added solutions and competitive credit structures that meet the needs of the customer while maintaining the.
• Key member of the Ag Operating Committee involved with developing and pushing strategy for National Ag Services, including product offering, policies and guidelines.
• Provide guidance in structuring and recommending large credit requests ($5MM+ new business and $15MM+ existing customer relationships) to credit risk management including deals deemed higher risk to the Bank where.
• Involved in multiple key initiatives across National Ag Services including ESG and Climate Change strategy.

Manitoba And Saskatchewan District

• Market leader for TD in Manitoba and Saskatchewan with a focus on building the Agriculture mid-market book.
• Oversee a group of 30+ individuals, including both sales and support staff, dedicated to servicing and growing mid-market relationships in Manitoba and Saskatchewan with a dual focus on growing TD's market share while.
• Work with partners both within and outside TD to grow and strengthen TD's brand profile and provide value-added solutions and competitive credit structures that meet the needs of the customer while maintaining the.

Peace Country (operating Out Of Grande Prairie, Alberta)

• Managed a group of five individuals dedicated to servicing commercial and agricultural mid-market (from $500,000 to $25,000,000 in credit volume or $3,000,000+ in deposit volume) relationships with a dual focus of.
• Provided mentoring and coaching on sales proposals and underwritten applications.
• Assessed credit risk for commercial and agricultural credit requests, providing credit authorizations within delegated limits and recommendations on requests above those delegated limits.
• Worked with internal business partners (TD Canada Trust, TD Small Business Banking, TD Wealth, etc.) and external business partners (lawyers, accountants, realtors, etc.) to provide value-added solutions and.

Northwestern Alberta (operating Out Of Grande Prairie, Alberta)

• Manage a group of five individuals, including both sales and support staff, dedicated to servicing commercial and agricultural mid-market (from $500,000 to $25,000,000 in credit volume or $3,000,000+ in deposit volume).
• Provide mentoring and coaching on sales proposals and underwritten applications.
• Assess credit risk for commercial and agricultural credit requests, providing credit authorizations within delegated limits and recommendations on requests above those delegated limits.
• Work with internal business partners (TD Canada Trust, TD Small Business Banking, TD Wealth, etc.) and external business partners (lawyers, accountants, realtors, etc.) to provide value-added solutions and competitive.

Calgary, Alberta

• Assessed credit risk for commercial and agricultural credit requests ranging in size from $500,000 through $15,000,000 and provide credit authorizations within delegated limits.
• Adjudicated credit risk for several commercial and agricultural units across Western Canada.
• Managed credit risk ensuring an independent and objective analysis of individual files including Basel II requirements.
• Initiate appropriate action on accounts where the risk is deemed to have increased beyond the bank normal tolerance levels.
• Provide mentoring and coaching on proposals and underwritten applications.
• Work with the business units to provide value-added solutions and competitive credit structures that meet the needs of the customer while maintain the bank's appetite for risk.

Calgary, Alberta

• Managed a Western-Canadian (MB, SK, AB & BC) portfolio of mid-market ($500M to $15,000,000 in authorized credit) commercial, agricultural and multi-unit residential clients the Bank considers to be higher risk.
• Met with clients upon their transfer into the Financial Restructuring Group, recommended a strategy both internally and to risk department, followedwith the clients to ensure they remain on strategy, recommended.
• Negotiated with clients to amend the terms and conditions of the authorized credit, as well as obtain additional security and/or additional cash injections into the operations were a key component of the position.
• The goal of the Financial Restructuring group is to provide restructuring solutions to maintain long-term client relationships but as necessary act to limit losses and protect the bank's assets.

Northwestern Alberta (Operated Out Of Grande Prairie, Ab)

• Responsible for “Championing” Small Business Banking (up to $500,000 in authorized credit) for 9 retail branches spread across the Northwestern Alberta.
• Directly supported nine Small Business Advisors (SBA’s) by providing them with coaching and training to help develop them into Better Business Bankers. This support took many different forms and included customer.
• Involved in the recruitment of new Small Business Advisors to the retail network and actively involved in helping grow TD Canada Trust's business banking market share through business development, participating in both.

Grande Prairie, Alberta

• Responsible for managing a portfolio of 40 to 50 mid-market ($500,000 to $15,000,000 in authorized credit) commercial and agricultural borrowers involved in various industries and sectors.
• Analyzed the credit risk of the borrowers at time of set up and a minimum of annually and ensured the Bank's policies and guidelines were properly applied.
• Made recommendations to TD’s risk department regarding client requests, completing monthly monitoring and control via the use of various systems to ensure clients were meeting their terms and obligations, ensuring that.
• Developed and maintained professional relationships with various centres of influence in the community and provided advice to them when applicable.

Various

• Responsible for managing the Small Business Banking (up to $500M in authorized credit) segment of the retail TD Canada Trust branch network.
• Specific duties included providing advise with respect to accounts, business mortgages, operating lines, term loans, merchant services, business visa’s, etc for both Small Business and Agriculture clients and prospects.
• Responsible for managing higher value/potential personal clients of the retail TD Canada Trust branch network and provided advice with respect to personal lines of credit, personal loans, mortgages, mutual funds, GIC's.

Business/Commerce, General

Business/Commerce, General