National Commercial Underwriting Manager I (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:

Department Overview:

The National Commercial Underwriting Manager I will lead the Portfolio Management department of the Healthcare Practice Solutions Group (HPSG) within C3M. Responsibilities include people management of approximately 8 underwriters oversight over the HPSG portfolio within C3M review of approval packages for annual reviews criticized assets modifications and other credit actions recommend and/or approve loans within NCUM I credit authority and other duties as directed by manager.

Candidate should possess strong underwriting skills proven leadership and organizational skills ability to multi-task meet deadlines achieve risk and control thresholds provide mentorship motivation training and coaching to direct reports and knowledge of TDs relevant policies and procedures.

The above details are specific to the role which is outlined in the general description below.

The National Commercial Underwriting Manager I manages the credit underwriting and credit administration functions for assigned portfolio consistent with the TD Bank Group Risk Appetite Principles. Establishes the credit structure Borrower Risk Ratings and Facility Risk Ratings (where applicable) for new and existing credit relationships. The job directs the Centralized Credit Management staff within its assigned teams in the monitoring of the portfolio and/or origination of new credit exposure. The job manages a team of commercial credit professionals including Commercial Credit Underwriters.

Depth & Scope:

• Provides people management leadership by hiring the best talent setting goals developing staff managing employee performance and compensation decisions promoting teamwork and handling any/all disciplinary actions as required
• Manages a commercial underwriting team that adjudicates credits with a variety of complexities.
• Leads a team of Commercial Credit Underwriters.
• Guides the team to properly structuring new and existing credit exposure within the banks risk appetite.
• Ensures adherence to Risk Policies implements operational risk processes policies and practices and drives satisfactory regulatory audits loan review internal audits and compliance audits.
• Possesses loan decision authority up to position authority limits as defined in credit policy
• Expected to attain and exercise exception and high-risk loan authority
• Takes part in decision appeal discussion with sales management and/or credit risk management
• Acts as a leader and participates in the on-going development of your Underwriting team
• Considers and discusses alternative structures such as SBA and other agencies and overall assessments with market sales personnel
• Contributes to discussions of policy and standards adjustments with senior management team
• Drives team to meet turnaround requirements in a loan production environment while maintaining strong quality of work produced
• Maintains a satisfactory level of portfolio delinquencies and charge-offs
• Ensures departmental compliance with TD Bank Credit Policy and Credit Standards Federal Banking Regulation and Government Reporting requirements. Contribute to organizational strategic initiatives such as process improvement system enhancements process workflow
• Builds and maintains productive relationships with all business partners within the Commercial Bank and encourages team to do the same
• Coaches the Credit Managers and Underwriters in developing value-added credit solutions for our customers that are consistent with the TD Bank Group Risk Appetite Principles
• Drive employee satisfaction and morale

Education & Experience:

• Undergraduate degree preferred
• 10 years of relevant commercial lending relationship management underwriting and/or adjudication experience
• Prior lending authority >/ $1 million preferred Small Business Administration/Agency Healthcare Practice Solutions or other specialty lending experience preferred
• Prior people management experience preferred
• Proven leadership abilities
• Ability to lead in a highly professional systems-based environment
• Proven analytical and research skills
• Demonstrated problem solving skills and the ability to blend technical knowledge and good business judgment
• Proven organizational multi-tasking analytical time management and decision-making skills.
• Demonstrated understanding of value-add credit structuring in a commercial banking environment
• Ability to meet deadlines
• Strong communication skills both verbal and written
• Strong interpersonal skills and a team orientation
• Ability to work with various levels of business partners
• Computer literacy with a variety of software programs
• Demonstrated credit underwriting and administration skills
• Proven ability to identify and mitigate risk
• Demonstrated understanding of value-add credit structuring in a commercial banking environment
• Excellent communication skills with understanding of business acumen
• Excellent interpersonal skills
• Customer focused
• Excellent planning and organizational skills
• Proven ability to problem solve

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.