Work Location:
Mount Laurel, New Jersey, United States of America
Hours:
40
Pay Details:
$86,840 - $139,360 USD
TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
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Line of Business:
Risk Management
Job Description:
The Environmental Risk Officer II provides complex environmental risk reviews for the Company, serving as an expert resource. Reviews, interprets, and evaluates complex environmental reports received from environmental consultants. Prepares analysis and issues review documentation to assist commercial lenders in making informed loan decisions. Develops or recommends optimal risk management strategies. Prepares analysis and issues review documentation to workout officers and facilities managers.
Depth & Scope:
- Reviews, evaluates, and interprets the most complex environmental due diligence reports by environmental consultants on collateral property
- Participates in conference calls with Customers as necessary and in coordination with Lender to better understand environmental risk presented by collateral, Customer's proposed course of action, and to communicate the bank's concerns regarding environmental risk
- Evaluates and quantifies any potential environmental issues related to the property and impact on risk or liability to the Company; Scopes and reviews Phase II site investigations
- Ensures consultant's reports adequately identify environmental risks at site
- Makes preliminary recommendations to commercial loan officers based on knowledge of prevalent issues
- Interprets Company policies, environmental regulations, and reports received from environmental consultants and testing labs to assist in evaluating environmental risk
- Develops risk management options and strategies. Discusses issues and risk management options with commercial loan officer and assists in the development of plans to implement risk assessment or reduction, including detailed site investigation and remediation
- Monitors emerging environmental risk in regulatory and industrial arenas and recommends measures or policies for approval and implementation by Company to appropriately manage these risks
- Acts as a consultant throughout the Company on environmental issues
- Maintains a current knowledge of applicable environmental assessment and remediation techniques and technologies
- Assists Environmental Risk Manager in developing processes to effectively implement Company's environmental risk management policies
- Researches information regarding environmental regulations within assigned areas, consulting with internal environmental risk officers, external sources, and legal counsel, as appropriate.
- Coordinates with outside legal counsel regarding environmental matters pertinent to pending transactions
- Develops and maintains knowledge of prevalent environmental issues within assigned areas to improve analytical efficiency and effectiveness
- Reviews past evaluations and reports from vendors as well as evaluates vendor methodologies and practices to assist in determining vendor suitability for Company use
- Assists Environmental Risk Manager in developing and providing training to Company personnel on Company environmental policies and procedures and in the technical aspects of environmental inspections
Education & Experience:
- Bachelor's degree or work experience equivalent to Bachelor's degree required
- Specialized knowledge of environmental risk assessment principles and practices including environmental due diligence
- Strong analytical skills
- Thorough knowledge of environmental regulatory requirements with specific knowledge relevant to assigned areas, or territories
- Excellent communication skills
- Excellent problem solving and investigative skills
- Knowledge of commercial lending
Preferred Qualifications:
- Applicant must meet the definition of an Environmental Professional.
- Knowledge of ASTM E1527-21, and US SBA SOP.
- Proficient user of Word.
- Experienced bank environmental risk officer
Physical Requirements:
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
- Domestic Travel - Occasional
- International Travel - Never
- Performing sedentary work - Continuous
- Performing multiple tasks - Continuous
- Operating standard office equipment - Continuous
- Responding quickly to sounds - Occasional
- Sitting - Continuous
- Standing - Occasional
- Walking - Occasional
- Moving safely in confined spaces - Occasional
- Lifting/Carrying (under 25 lbs.) - Occasional
- Lifting/Carrying (over 25 lbs.) - Never
- Squatting - Occasional
- Bending - Occasional
- Kneeling - Never
- Crawling - Never
- Climbing - Never
- Reaching overhead - Never
- Reaching forward - Occasional
- Pushing - Never
- Pulling - Never
- Twisting - Never
- Concentrating for long periods of time - Continuous
- Applying common sense to deal with problems involving standardized situations - Continuous
- Reading, writing and comprehending instructions - Continuous
- Adding, subtracting, multiplying and dividing - Continuous
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.
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.