TD Bank Job Applications – Credit Specialist I

Job Description:

The CRE Credit Specialist I is responsible for ensuring quality and compliance within an assigned portfolio, underwriting new business development while applying credit risk policy and adhering to TDBG risk appetite; effectively credit underwriting and portfolio management. The position works closely with the Relationship Manager on the structuring of new deals, and also confers with the Credit Officer to establish Borrower and Facility Risk Ratings for new and existing credit relationships. The Credit Specialist I works to achieve credit management objectives within the team while also playing a key role in new business.

Job Responsibilities:

• Understands changing market conditions and remain knowledgeable of relevant industry issues
• Ensures the managed portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures
• Manages the timely approval, documentation preparation and negotiation, and closing of new and existing transactions
• Performs 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 guidelines
• Interprets and applies TDs risk management strategy (both credit and operational)
• Is knowledgeable of and operates 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 timelines
• With support from the Credit Analyst, prepares credit applications for new and existing borrowers; Applications shall include new transactions, extensions, modifications, renewals and Annual Reviews
• Partners 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 guidelines
• Attends site visits and prospect/customer calls as needed or as requested
• Ensures applications provide a high quality of risk assessment, credit structure, due diligence, and credit presentation and adhere to AIRB methodology and address TD Banks profitability objectives

Job Requirements:

• Ability to identify and mitigate risk
• Customer focused
• Ability to provide value-add structuring alternatives for complex credits
• Minimum 7 years’ experience in related field
• Solid interpersonal skills
• Strong planning and organizational skills.
• Strong written and verbal communication skills with demonstrated understanding of business acumen
• 4 year Undergraduate degree or equivalent experience; advanced degree in financial discipline preferred, other advanced degree considered
• Ability to problem solve in less complex situations
• Strong credit underwriting and administration skills

Job Details:

Company: Toronto-Dominion Bank

Vacancy Type: Full Time

Job Location: New York, NY, US

Application Deadline: N/A

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