Com'l Loan Officer III (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:

The Commercial Loan Officer III is an external sales role that focuses on growing a Commercial portfolio through building new customer relationships. This job will meet or exceed annual sales revenue volume & new customer objectives. The Commercial Loan Officer III will maximize profitability revenue and retention of new relationships by cross selling the full range of products and services. This job is the primary contact for developing new client relationships while managing existing Customer relationships.

Depth & Scope:

• Works independently to develop new business with prospects that have moderate and large complex credit needs.
• Maintains established market presence
• Makes calls independently
• Gathers related financial and general business information participates in credit decision process and communicates with prospects to close sales
• Prepares basic management reports summarizing loan activity
• Meets regularly with internal referral sources to establish business relationships and develops network of outside referral sources for new business
• Compiles necessary data and information to begin financial analysis
• Contributes and provides input to loan decision process based on evaluation of credit risk and other key factors from Credit Management
• Assists in the development of less experienced loan officers
• Helps support Branch Managers and staff and educates them about products and the lending process
• Makes or assists in sales calls gathers financial and general business information and explains products and services offered
• Responsible for growth goals (loans deposits fees) both individually and assisting the team through development of new Commercial Customers and cross selling existing Customers as well as an established network of resources

Education & Experience:

• 4 year degree or equivalent experience
• 7 years related experience
• Strong understanding of commercial business development techniques and credit decisions
• Demonstrates business development track record
• Strong market presence with wide network of outside referral sources for new business
• Demonstrates credit and financial analysis skills
• Refined negotiation skills
• Demonstrates communication skills both verbal and written
• Demonstrates PC skills
• Membership in civic and professional organizations required

Customer Accountabilities:

• Understands and support the Banks Customer Service Strategy
• Considers the impact of decisions on the well-being of TD its Customers and stakeholders
• Provides the highest level of Customer service when dealing with internal partners vendors or our Customers - WOW at every opportunity
• Models quality service delivery at every interaction
• Leads and contributes to the ongoing improvement of the partner / Customer experience

Shareholder Accountabilities:

• Participates in civic activities to promote growth and development of the community and a positive image for TD
• Supports the development and implementation of operational strategies and objectives to achieve measurable excellence in the quality delivery of sales service and products aligned with Best Run concepts and overall enterprise strategy and objectives
• Participates in establishing and executing plans and goals for the Business to drive toward results
• Ensures that strategic initiatives and directives are carried out effectively with comprehensive change management strategies. Deliver business services functions and capabilities that optimize the use of process technology and our people and take advantage of TDs scale and operating model Collaborate to ensure TD is a best run integrated customer-focused growth organization
• Ensures processes policies and procedures are designed in compliance with TD Risk Appetite
• Successfully completes all required job specific compliance-related training
• Understands utilizes and follows Compliance/Risk and control programs
• Consults with all risk functions in the development and documentation of policies procedures and controls for all department processes
• Ensures ongoing compliance with internal / external audit and regulatory requirements
• Provides prompt and comprehensive response to all external audit regulator and compliance requests and findings
• Maintains appropriate records of action plans

Employee/Team Accountabilities:

• Be engaged in advancing and sustaining a unique inclusive culture that reflects TDs diversity agenda and create an extraordinary employee experience
• Participate fully as a member of the team and contribute to a positive work environment
• May provide leadership training and guidance to other team members
• Ensures ongoing communication with the team on the status / progress of projects and issues / points of interest
• Actively shares information and knowledge and proactively learn from the expertise of others

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 worlds leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day we strive to make every interaction product and experience remarkably human and refreshingly simple for 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 foster deeper relationships ensure disciplined execution and build a simpler faster banking experience. TD is deeply committed to being a leader in client experience that is why we believe that all colleagues no matter where they work are client facing. Together we are reimagining what banking can be for our clients colleagues and communities.

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.

If youre passionate about helping clients and building deep lasting relationships TD offers diverse career paths where you can grow your expertise and make a meaningful impact.

Were committed to your success and foster a respectful workplace where diverse perspectives are valued everyone has fair opportunities to grow and you can unlock your full potential to achieve your career goals. Here at TD we hire and develop the best.

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.