Com'l Portfolio Loan Officer III

TD; Mount Laurel Township (NJ); On-site; USD 91,000 - 136,000; Full time

Job summary

TD is seeking a Commercial Portfolio Loan Officer III in Mount Laurel, NJ to manage a large portfolio of complex commercial loans, provide underwriting and credit risk oversight, and support decision making. You will contribute to risk mitigation, ensure proper documentation, and help maintain asset quality while working with loan officers and customers.

Ideal candidates have a 4-year degree or equivalent, 5+ years in commercial lending, and strong financial analysis skills.

Qualifications

• 4 year degree or equivalent experience required
• 5+ years related experience in commercial lending or credit
• Strong credit analysis and accounting skills
• Deep knowledge of commercial legal and regulatory guidelines
• Proven customer service and relationship management skills

Responsibilities

• Underwrites and monitors a large portfolio of complex commercial loans
• Maintains and updates customer records and risk ratings
• Prepares in-depth management reports on portfolio activity
• Provides guidance and training to staff on credit processes
• Visually visits customers with loan officers to strengthen relationships and assess risk

Skills

4-year degree or equivalent

5+ years experience

Credit risk analysis

Commercial lending

Regulatory knowledge

Client relationship mgmt

Education

4 year degree or equivalent experience

Job description

Work Location:Mount Laurel, New Jersey, United States of AmericaHours:40Pay Details:$91,000 - $136,240 USDTD 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 candidate's 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:Personal & Commercial BankingJob Description:The Commercial Portfolio Loan Officer III provides underwriting, credit risk oversight, and portfolio management for complex commercial lending relationships, primarily concentrated in Special Mention and Classified-rated borrowers. The role evaluates borrower performance and credit risk to support sound credit decisions, risk mitigation strategies, and the protection of the Bank's asset quality.Depth & Scope:Administers and monitors large portfolio of large, complex commercial loansPersonally manages loan relationships with in the groupEnsures accuracy and maintenance of Customer records and files and updates information as needed. Prepares more in-depth management reports summarizing portfolio activityPays specific attention to credit administration, exception and risk management based on common metricsAdministers existing loans to ensure complete conformity with terms and adequacy of documentation, including preparation of criticized asset reports and review memos; coordinates with operations and processing areas to ensure loan payments are collected and recordedMaintains current risk rating on Customers and makes appropriate comments in Customer credit files to ensure information remains currentAccompanies loan officers during sales calls to assist with account details and implementationProvides technical guidance and assists staff with most complex aspects of work as necessaryMay provide training and mentoring for new and less experienced staffCoordinates with credit department and performs more in-depth financial analyses and credit investigations to make credit decisions on line extensions and other loansContributes and provides input to group loan decision processes based on evaluation of credit risk and other key factorsVisits Customers independently and with commercial loan officers to maintain strong business relationshipsIs assigned own accounts and/or share account management responsibilities with commercial loan officersPerforms periodic inspections at Customer sites to audit accounts and ensure adherence to loan agreements and termsAdministers existing loans to ensure complete conformity with terms and adequacy of documentation, including preparation of criticized asset reports and review memos; coordinates with operations and processing areas to ensure loan payments are collected and recordedUtilizes limited personal credit authority under the direction of the Relationship Manager, for the benefit of Customers and efficiency of the lending processEducation & Experience:4 year degree or equivalent experience5+ years related experienceIn-depth understanding of commercial credit decision processDemonstrates credit, financial analysis and accounting skillsIn-depth knowledge of commercial legal and regulatory guidelinesProven Customer service and relationship management skills, including demonstrated track record of building and expanding Customer relationshipsDemonstrates attention to detailSupervisory skillsDemonstrated communication skills, both verbal and writtenProficient PC skillsPhysical Requirements:Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%Domestic Travel – OccasionalInternational Travel – NeverPerforming sedentary work – ContinuousPerforming multiple tasks – ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds – OccasionalSitting – ContinuousStanding – OccasionalWalking – OccasionalMoving safely in confined spaces – OccasionalLifting/Carrying (under 25 lbs.) – OccasionalLifting/Carrying (over 25 lbs.) – NeverSquatting – OccasionalBending – OccasionalKneeling – NeverCrawling – NeverClimbing – NeverReaching overhead – NeverReaching forward – OccasionalPushing – NeverPulling – NeverTwisting – NeverConcentrating for long periods of time – ContinuousApplying common sense to deal with problems involving standardized situations – ContinuousReading, writing and comprehending instructions – ContinuousAdding, subtracting, multiplying and dividing – ContinuousThe 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.#Linkedin#LI-USCorporateWho We Are:TD is one of the world's 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 95,000 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 PackageOur 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 moreAdditional Information:We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.Colleague DevelopmentIf you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll 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 you’re 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.We're 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 & OnboardingWe will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.Interview ProcessWe’ll 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.AccommodationTD 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 [e-mail] . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.