Com'l Portfolio Loan Officer III - Workout

TD Bank Group; Mount Laurel Township (NJ); Sur place; USD 91 000 - 136 000; Plein temps

Résumé du poste

TD Bank in Mount Laurel, New Jersey is seeking a Commercial Portfolio Loan Officer III to oversee underwriting, credit risk oversight, and portfolio management for large and complex lending relationships.

You will evaluate borrower performance, ensure documentation and terms are met, and maintain accurate customer records while supporting risk mitigation strategies across a growing loan portfolio.

Qualifications

• Underwriting complex commercial loans and evaluating borrower credit risk.
• Experience managing large portfolios and monitoring risk across loans.
• Strong analytical and financial analysis skills for credit decisions.
• Proven ability to manage borrower relationships and documentation.
• Excellent communication and collaboration with credit and operations teams.

Responsabilités

• Underwrites and manages complex commercial loans with oversight of risk.
• Maintains and updates credit files and borrower records.
• Prepares management reports summarizing portfolio activity and risk.
• Coordinates with operations to ensure loan terms and documentation are met.
• Provides guidance and mentoring for junior staff as needed.

Connaissances

Underwriting

Credit risk assessment

Portfolio management

Analytical skills

Relationship management

Formation

4 year degree or equivalent experience

Description du poste

Work Location

Mount Laurel, New Jersey, United States of America

Hours

40

Pay Details

$91,000 - $136,240 USD

Compensation Overview

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 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 Banking

Job 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. Administers and monitors large portfolio of large, complex commercial loans Personally manages loan relationships with in the group Ensures accuracy and maintenance of Customer records and files and updates information as needed. Prepares more in-depth management reports summarizing portfolio activity Pays specific attention to credit administration, exception and risk management based on common metrics Administers 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 recorded Maintains current risk rating on Customers and makes appropriate comments in Customer credit files to ensure information remains current Accompanies loan officers during sales calls to assist with account details and implementation Provides technical guidance and assists staff with most complex aspects of work as necessary May provide training and mentoring for new and less experienced staff Coordinates with credit department and performs more in-depth financial analyses and credit investigations to make credit decisions on line extensions and other loans Contributes and provides input to group loan decision processes based on evaluation of credit risk and other key factors Visits Customers independently and with commercial loan officers to maintain strong business relationships Is assigned own accounts and/or share account management responsibilities with commercial loan officers Performs periodic inspections at Customer sites to audit accounts and ensure adherence to loan agreements and terms Administers 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 recorded Utilizes limited personal credit authority under the direction of the Relationship Manager, for the benefit of Customers and efficiency of the lending process.

Depth & Scope

Administers and monitors large portfolio of large, complex commercial loans Personally manages loan relationships with in the group Ensures accuracy and maintenance of Customer records and files and updates information as needed. Prepares more in-depth management reports summarizing portfolio activity Pays specific attention to credit administration, exception and risk management based on common metrics Administers 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 recorded Maintains current risk rating on Customers and makes appropriate comments in Customer credit files to ensure information remains current Accompanies loan officers during sales calls to assist with account details and implementation Provides technical guidance and assists staff with most complex aspects of work as necessary May provide training and mentoring for new and less experienced staff Coordinates with credit department and performs more in-depth financial analyses and credit investigations to make credit decisions on line extensions and other loans Contributes and provides input to group loan decision processes based on evaluation of credit risk and other key factors Visits Customers independently and with commercial loan officers to maintain strong business relationships Is assigned own accounts and/or share account management responsibilities with commercial loan officers Performs periodic inspections at Customer sites to audit accounts and ensure adherence to loan agreements and terms Administers 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 recorded Utilizes limited personal credit authority under the direction of the Relationship Manager, for the benefit of Customers and efficiency of the lending process.

Education & Experience

4 year degree or equivalent experience 5+ years related experience In-depth understanding of commercial credit decision process Demonstrates credit, financial analysis and accounting skills In-depth knowledge of commercial legal and regulatory guidelines Proven Customer service and relationship management skills, including demonstrated track record of building and expanding Customer relationships Demonstrates attention to detail Supervisory skills Demonstrated communication skills, both verbal and written Proficient PC skills

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

General Job Statement

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.

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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 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

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