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Wrong William Fink?

William J. Fink CPA CSMC

Chief Lending Officer and Head of Credit Management - US Commercial Banking

TD Bank

Direct Phone: (856) ***-****       

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TD Bank

P.O. Box 1

Toronto, Ontario 8034


Company Description

The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Financial Group. The Bank serves more than 14 million customers in four key businesses operating in a number of locations in key financial centres around the globe: Canadian ... more

Find other employees at this company (58,470)

Background Information

Employment History

Senior Vice President, Regional Credit Officer, Business Financial Services

Fleet Bank

Senior Vice President

Bank of America Corporation


American Institute of Certified Public Accountants Inc

Pennsylvania Institute of Certified Public Accountants

Turnaround Management Association

New Jersey Society of Certified Public Accountants


Penn State University

Bachelor of Science Degree


St. Joseph's University

Masters Degree

Business Administration

St. Joseph's University

Web References (22 Total References)

William Fink ... [cached]

William Fink

Bill Fink, Chief ... [cached]

Bill Fink, Chief Lending Officer & Head, Credit Management, TD Bank

Bill Fink, chief lending officer and head of Credit Management at TD Bank attributes this optimism to a myriad of factors, including little or no upward pressure on wages in most industries, stabilized or increased housing values in most markets, a continued decline in the unemployment rate and reduced gasoline prices, which have contributed to an increase in consumer discretionary income and spending.
Fink shares another statistic that demonstrates financial executives' confidence in their companies' performance this year: 69% of CFOs expressed optimism that 2016 would be an even better year than 2015.
Fink says there is a bigger-picture question at hand: business owners need to determine what will have more impact on their business - interest rates or the value of the dollar - and how that will influence their operations.
Bill Fink

William Fink About ... [cached]

William Fink

About the Author
William Fink
William Fink is the executive vice president, chief lending officer, and head of credit management for TD Bank's Regional Commercial Banking Group, where he supervises the Bank's $50 billion-plus commercial and small business portfolios. A Certified Public Accountant, Certified Specialist in Management Consulting, and Global Certified Management Accountant, he developed and teaches two programs for the University of Pennsylvania Wharton Small Business Development Center, as well as four continuing professional education programs for attorneys and CPAs at Penn State University-Abington Campus.
By William Fink | April 28, 2015

Middle-market watcher Bill ... [cached]

Middle-market watcher Bill Fink, EVP and chief lending officer at TD Bank, doesn't hesitate to use the word "optimism" when characterizing the new business sentiment. Armed with the findings from a recent TD Bank survey, Fink answered a few of our questions regarding the changing business sentiment inside the lower middle market.

Fink, Bill LR MME: Where exactly do we see traces of this new optimism beginning to surface in the middle market?
Fink: Well, one of the things we see is that there's an acceleration of the view that the economy is getting better.
Fink: What we've seen is that sales are rebounding to pre-recession levels in a lot of our industry segments.
Fink: I think that as we came out of the recession, there was a classic approach of expense management, and they cut and slashed and deferred capital expenditures and improvement programs, and took an expense management approach because they couldn't determine when and how to grow revenue on a continuing basis.
Fink: Well, I would plan to be cautiously optimistic.
Fink: The uncertainty that enveloped the world for the last 4 years caused companies to horde cash as a protection, and we have seen our customers not borrow with anywhere near the frequency they once did. We have certainly seen this in utilization rates for credit facilities.

BackBay Communications’ clients frequently appear in leading broadcast, print and online media | BackBay Communications [cached]

Bill Fink, TD Bank EVP of commercial banking on using interest-rate swaps

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