Loan Review Senior Commercial Examiner (US)

Work Location:

Hours:

Pay Details:

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 candidates 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.

Line of Business:

Job Description:

As an expert credit professional the Loan Review Senior Commercial Examiner serves as both a team leader and individual contributor within the scope of Examinations and continuous review testing activities across the Banks broad range of Commercial loan portfolios. The Senior Commercial Examiner independently conducts borrower file reviews evaluates and responds to reviews completed by other Commercial Examiners and provides leadership in concert with the Examiner-In-Charge relative to ongoing Examinations and continuous review testing activities.

Depth & Scope:

• Serves as Team Lead for examinations. Plans for resources workload assignments and monitors examination work in process throughout the examination; conducts and participates in the examination. Reads assesses and provides feedback regarding reviews completed by other Commercial Examiners to ensure accuracy consistency and quality of assessments and conclusions
• Conducts independent high quality comprehensive reviews of borrowers across a diverse range of Commercial loan portfolios to assess underwriting adequacy portfolio monitoring activities documentation adequacy collateral valuations risk rating accuracy and problem loan administration
• Interprets and applies Regulatory feedback and requirements as well as Bank policies and credit standards and evaluates adherence of reviewed credits to these policies credit standards risk limits and Regulatory guidance
• Analyzes and interprets borrower specific information including an independent assessment of repayment capacity management capability covenant adherence legal documentation and industry risk
• Utilizes independent judgment and subject matter expertise to develop and provide management with a risk rating assessment for all borrowers reviewed ultimately in support of the Banks Expected Loss determination
• Participates in and contributes to risk rating discussions both internally and with Line of Business partners.
• Utilizes and applies subject matter expertise in development of job aids in support of Examination activites and other less-experienced Examiners
• Interacts independently and professionally both verbally and in writing with lending and credit management staff in conjunction with loan reviews. Works productively to resolve any discrepancies and disputes with lending and credit management incorporating Line of Business feedback in final assessments where appropriate
• Maintains an expert knowledge of Bank credit policies and procedures to measure appropriate adherence during loan reviews. Initiates professional development to stay well informed on credit products and structures industry trends and regulatory changes
• Produces workpapers documenting review findings for internal presentation to Loan Review management and external presentation to Line of Business partners and Regulatory review
• Aids and assists in the professional development of other Commercial Examiners
• Maintains confidentiality of customer information at all times
• Performs other related duties as required

Education & Experience:

• Bachelors Degree in business or related field required. Strong preference for Finance or Accounting major or concentration but actual work experience can offset a different degree type
• Minimum of 10 years Commercial credit experience in loan review credit underwriting/analysis credit management credit risk management Commercial lending or Regulatory examinations
• Expert knowledge of Commercial lending and credit analysis with extensive experience in corporate syndicated and leveraged loans highly desired
• Excellent verbal and written communication skills
• Must be able to independently compile data collected during reviews and interpret the data in narrative and analytical form to present the resulting review findings to senior business management
• Must be able to present well-formed and supported opinions of process procedure and credit risk condition to senior business management
• Must be able to prioritize and organize assignments and meet strict deadlines
• Excellent PC skills including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems

Preferred Qualifications:

• Highly competent in commercial credit analysis credit risk assessment and risk rating via Regulatory definitions
• Flexible to manage multiple roles including individual contributions as an Examiner broader oversight as a Team Lead and special projects as assigned
• Able to work well with and influence others over whom they have no direct management control
• Effective collaboration and coaching via strong spoken and written communication
• Highly organized and attentive to detail
• Able to make observations and connections that may highlight potential credit risk
• Able to determine support and advocate for a position based on available data and knowledge
• Able to effectively communicate potential credit risk up to Exam Management
• Able to navigate well potentially contentious circumstances

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.

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Who We Are:
TD is one of the worlds 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 95000 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 youve 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 were 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:
Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development
If youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll 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 were committed to helping you identify opportunities that support your goals.

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

Interview Process
Well 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

TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race color religion sex sexual orientation gender identity national origin age disability status as a protected veteran or any other characteristic protected under applicable federal state or local law.

If you are an applicant with a disability and need accommodations to complete the application process please email TD Bank US Workplace Accommodations Program at . Include your full name best way to reach you and the accommodation needed to assist you with the applicant process.