CSB Credit Specialist II

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 CSB Credit Specialist II is responsible for ensuring quality and compliance within an assigned portfolio supporting new business development while applying credit risk policy and adhering to TDBG risk appetite. The CSB Credit Specialist II performs the credit underwriting and credit administration functions. The CSB Credit Specialist II works to achieve credit management objectives within the team. The job works closely with the Relationship Manager and Credit Officer to ensure consistency with the TD Bank Groups Risk Appetite Principles including establishing the Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships.

Depth & Scope:

• Performs in depth credit analysis for which a majority of accounts consist of; highly diverse portfolios at the highest complexity; large pieces of a much bigger client portfolio that may include other institutions and input; risk factors that create large variables to create decisions on portfolios
• Performs in depth credit analysis in partnership with Relationship Manager on potential and existing customers to determine alignment with TD Bank products/structure TD Credit Risk Appetite and credit policies/underwriting guidelines
• Partners with the Relationship Manager on potential structure proposals that are in alignment with TD Bank products/structure TD Credit Risk Appetite and credit policies/underwriting guidelines
• Attends site visits and prospect/customer calls as needed or as requested
• With support from the Credit Analyst prepares credit applications for new and existing borrowers; Applications shall include new transactions extensions modifications renewals and Annual Reviews
• Ensures applications provide a high quality of risk assessment credit structure due diligence and credit presentation and adheres to AIRB methodology and addresses TD Banks profitability objectives
• Manages the timely approval documentation preparation and negotiation and closing of new and existing transactions
• Be knowledgeable of and operate within the applicable regulatory and compliance guidelines/policies & procedures (including but not limited to: AML Privacy Firewalls Systems & Information Security FCAC etc.) and ensures that all staff complete required compliance attestations/training within required timelines
• Ensures the managed portfolio is comprehensively monitored and controlled adhering to and administered within approved guidelines and in line with established operating policies and procedures
• Interprets and applies TDs risk management strategy (both credit and operational)
• Understands changing market conditions and remain knowledgeable of relevant industry issues
• Manages aspects of the customer relationship including but not limited to reviewing reports and delinquencies sign off of covenant compliance forms and determining strategy if failures occur completing monthly monitoring; overseeing Credit Analysts that will provide support in these responsibilities

Education & Experience:

• 4 year Undergraduate degree; advanced degree in financial discipline preferred other advanced degree considered
• 7 years experience in related field
• Excellent credit underwriting and administration skills; considered subject matter expert in complex credit understanding
• Superior ability to identify and mitigate risk
• Ability to provide value-add structuring alternatives for highly complex credits
• Strong written and excellent verbal communication skills with solid business acumen
• Solid interpersonal skills
• Customer focused
• Strong planning and organizational skills
• Ability to problem solve in more complex situations
• Technologically proficient

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.