Credit Management Associate IV (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 Credit Management Associate IV provides ongoing support to an assigned commercial customer account portfolio within Credit Management. The Associate will be involved in origination requests and ongoing portfolio administration throughout the lifecycle of each account. The Associate will ensure that all required processes are completed in accordance with Bank standards and procedures while driving data accuracy and quality control to avoid losses and reduce undue risk. The Associate works with lending and credit management personnel on customer requests to determine and collect critical information from a variety of sources third parties and internal partners for utilization in key tasks within the loan origination and portfolio management systems. During each phase of an accounts lifecycle the Credit Management Associate will ensure customer facility and regulatory documentation align accurately within internal systems within Credit Management. The Credit Management Associate will serve as an expert in commercial lending process and be a resource for others.

Depth & Scope:

• Manages an assigned account portfolio for new and existing commercial customers to provide consistent professional service and support throughout the total lifecycle of each account
• Assists with the uploading of due diligence received during underwriting to the image repository system in preparation of Loan Specialist assignment.
• Assists Credit Management with clearing and management of exceptions
• Capable of working independently and supporting accounts of larger size and complexity and/or larger volume of accounts for a variety of lending types such as asset-based lending corporate and commercial loans commercial real estate finance (real estate mortgages construction finance and REITS) healthcare and higher education and equipment finance
• Assigned accounts may include syndicated or participation loans cash management accounts workout foreign exchange and international letters of credit
• Input necessary information into loan origination system to generate loan documents; Assists with closing of new loan accounts and submits information for boarding; assists loan team in preparing a complete approval package in preparation for closing.
• Ensures customer accounts are in good order through performing ongoing due diligence (such as tax UCC and judgment searches) monitor track insurance renewals and verify regulatory information is current and accurate i.e. authorized signors OFAC beneficial owner/control prong and other KYC activities when required
• Assists with portfolio risk by monitoring maturities loan review dates and other compliance reporting requiring timely action
• May assist in preparing the most basic financial analysis of less complex loans / industries/ Customers maintaining credit file financial statement and assist with analysis memos
• May assist Credit Management with clearing and management exceptions
• Performs lockdown control / QC Function post-approval of a customer request to verify approved terms by Credit Management and Credit Risk align to the loan origination system data
• Performs post boarding review of new loans on loan origination system to ensure data accuracy
• Coordinates credit facility renewals and modification which may involve execution of new loan documentation modification of existing notes or other actions which may involve approved legal service providers or internal document preparation areas as applicable
• Builds business relationships with Lending and Credit Management teams to determine appropriate contacts for assigned tasks
• Maintains a strong knowledge of process and procedure for commercial products and services and shares information with others as a subject matter expert.
• Will assist with process improvement and change communication relevant to assigned portfolio
• Serves as subject matter expert for the department
• Serves as a resource and assists with training Credit Management Associates
• Works independently in resolving more complex issues relating to origination process through booking
• May provide support with onboarding activities

Education & Experience:

• 4 year degree or equivalent experience
• 4 years related experience required
• Detailed knowledge of commercial lending products credit policy loan documentation and administration requirements and legal and regulatory guidelines
• Detailed knowledge of and experience applying commercial lending policy and procedures including lending authority loan structures risk ratings loan to value ratio and other related information
• Excellent Customer service skills including ability to work with demanding Customers in complex lending relationships
• Strong analytical problem solving and organizational skills and experience
• Flexible and adaptable to change with ability to learn new tasks and systems quickly. Demonstrated ability to multi-task and learn quickly
• Math skills and accuracy with numbers and transactions required.
• Demonstrates strong attention to detail
• Strong time management skills resulting in successful completion of multiple priorities to meet objectives
• Excellent communications skills both verbal and written
• PC skills including extensive experience with and ability to troubleshoot specialized loan administration systems and software and ability to adapt to system changes

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.