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381331BRJob Title:CSB Credit Specialist II (FL,NJ,PA,SC,NC,MI,ME)TD Description:About TD Bank, America's Most Convenient Bank®TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth®, and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit www.tdbank.com. Find TD Bank on Facebook at www.facebook.com/TDBank and on Twitter at www.twitter.com/TDBankUS .TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol "TD". To learn more, visit www.td.com .Auto req ID:381331BRDepartment Overview:The CSB Credit Specialist II is responsible for ensuring quality and compliance within an assigned portfolio, supporting new business development while applying credit risk policy and adhering to TDBG risk appetite. The CSB Credit Specialist II performs the credit underwriting and credit administration functions. The CSB Credit Specialist II works to achieve credit management objectives within the team. The job works closely with the Relationship Manager and Credit Officer to ensure consistency with the TD Bank Groups Risk Appetite Principles, including establishing the Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships.Country:United StatesJob Requirements:
Must be eligible for employment under regulatory standards applicable to the position.
Hours:40Job Description:Performs in depth credit analysis for which a majority of accounts consist of; highly diverse portfolios at the highest complexity; large pieces of a much bigger client portfolio that may include other institutions and input; risk factors that create large variables to create decisions on portfoliosPerforms in depth credit analysis in partnership with Relationship Manager on potential and existing customers to determine alignment with TD Bank products/structure TD Credit Risk Appetite and credit policies/underwriting guidelinesPartners with the Relationship Manager on potential structure proposals that are in alignment with TD Bank products/structure, TD Credit Risk Appetite and credit policies/underwriting guidelinesAttends site visits and prospect/customer calls as needed or as requestedWith support from the Credit Analyst, prepares credit applications for new and existing borrowers; Applications shall include new transactions, extensions, modifications, renewals and Annual ReviewsEnsures applications provide a high quality of risk assessment, credit structure, due diligence, and credit presentation and adheres to AIRB methodology and addresses TD Banks profitability objectivesManages the timely approval, documentation preparation and negotiation, and closing of new and existing transactionsBe knowledgeable of and operate within the applicable regulatory and compliance guidelines/policies & procedures (including but not limited to: AML, Privacy, Firewalls, Systems & Information Security, FCAC, etc.) and ensures that all staff complete required compliance attestations/training within required timelinesEnsures the managed portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and proceduresInterprets and applies TDs risk management strategy (both credit and operational)Understands changing market conditions and remain knowledgeable of relevant industry issuesManages aspects of the customer relationship including, but not limited to, reviewing reports and delinquencies, sign off of covenant compliance forms and determining strategy if failures occur, completing monthly monitoring; overseeing Credit Analysts that will provide support in these responsibilitiesInclusiveness:At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach their potential.If you are a candidate with a disability and need an accommodation to complete the application process, email the TD Bank US Workplace Accommodations Program at USWAPTDO@td.com . Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.State:Florida, Maine, North Carolina, New Jersey, Pennsylvania, South CarolinaCity:Charlotte, Fort Lauderdale, Greenville, Mount Laurel, Philadelphia, PortlandQualifications:4 year Undergraduate degree; advanced degree in financial discipline preferred, other advanced degree considered7+ years' experience in related fieldExcellent credit underwriting and administration skills; considered subject matter expert in complex credit understandingSuperior ability to identify and mitigate riskAbility to provide value-add structuring alternatives for highly complex creditsStrong written and excellent verbal communication skills with solid business acumenSolid interpersonal skillsCustomer focusedStrong planning and organizational skillsAbility to problem solve in more complex situationsTechnologically proficientWork Location:5900 North Andrews AvenueBusiness Line:TD Bank AMCBJob Category - Primary:Commercial BankingJob Category(s):Commercial BankingState (Primary):FloridaState #2:MaineState #3:New JerseyState #4:PennsylvaniaState #5:North CarolinaState #6:South CarolinaCity (Primary):Fort LauderdaleCity #2:PortlandCity #3:Mount LaurelCity #4:PhiladelphiaCity #5:CharlotteCity #6:GreenvilleJob Family:Commercial LendingTime Type:Full TimeEmployment Type:RegularHours/Availability Detail:8:30am - 5:00pmPay Range:$108,160 - $175,760 annuallyFederal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.
