Line of Business:
Personal & Commercial Banking
Job Description:

The Commercial Portfolio Loan Officer III, Workout administers and monitors portfolio of Commercial loans, personally managing or assisting lenders in managing loan relationships within the group.

Depth & Scope:

• Administers and monitors large portfolio of large, complex commercial loans
• Personally manages loan relationships with in the group
• Ensures accuracy and maintenance of Customer records and files and updates information as needed. Prepares more in-depth management reports summarizing portfolio activity
• Pays specific attention to credit administration, exception and risk management based on common metrics
• Administers existing loans to ensure complete conformity with terms and adequacy of documentation, including preparation of criticized asset reports and review memos; coordinates with operations and processing areas to ensure loan payments are collected and recorded
• Maintains current risk rating on Customers and makes appropriate comments in Customer credit files to ensure information remains current
• Accompanies loan officers during sales calls to assist with account details and implementation
• Provides technical guidance and assists staff with most complex aspects of work as necessary
• May provide training and mentoring for new and less experienced staff
• Coordinates with credit department and performs more in-depth financial analyses and credit investigations to make credit decisions on line extensions and other loans
• Contributes and provides input to group loan decision processes based on evaluation of credit risk and other key factors
• Visits Customers independently and with commercial loan officers to maintain strong business relationships
• Is assigned own accounts and/or share account management responsibilities with commercial loan officers
• Performs periodic inspections at Customer sites to audit accounts and ensure adherence to loan agreements and terms
• Administers existing loans to ensure complete conformity with terms and adequacy of documentation, including preparation of criticized asset reports and review memos; coordinates with operations and processing areas to ensure loan payments are collected and recorded
• Utilizes limited personal credit authority under the direction of the Relationship Manager, for the benefit of Customers and efficiency of the lending process

Education & Experience:

• 4 year degree or equivalent experience
• 5+ years related experience
• In-depth understanding of commercial credit decision process
• Demonstrates credit, financial analysis and accounting skills
• In-depth knowledge of commercial legal and regulatory guidelines
• Proven Customer service and relationship management skills, including demonstrated track record of building and expanding Customer relationships
• Demonstrates attention to detail
• Supervisory skills
• Demonstrated communication skills, both verbal and written
• Proficient PC skills
• PREFERRED QUALIFICATIONS
• Formal Credit Analyst training
• Skilled in MIrcrosoft Office

Who We Are:
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you.

Our Total Rewards Package

Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more

Additional Information:
We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development
If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.

Training & Onboarding
We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.

Interview Process
We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation

If you are an applicant with a disability and need accommodations 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.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.